Hot Tips & Takes: Hospitality Coach Monte Silva Talks Work-Life Balance for Restaurant Owner-Operators

Monte Silva has spent 40 years in hospitality.

He’s done every job that exists in this industry: dishwasher, prep cook, line cook, busser, server, bartender, DJ, bouncer. But the majority of his career has revolved around restaurant management and operations.

He’s been a GM for Wolfgang Puck, and he’s also managed a $18.5 million revenue restaurant, where he oversaw a team of 13 salaried people and over 100 employees.

To say Monte is qualified to coach other restaurateurs is an understatement. And the ever-elusive, oft-forgotten concept of work-life balance is one of his favorite areas to focus on. Here’s what Monte has to say about living your life while successfully scaling your restaurant. (Yes, it’s possible.)

What’s your restaurant coaching philosophy?

It’s about mindset and habits. It takes 67 days to develop and keep new habits. But we tend to abandon behaviors before they become habits. And that’s the crux of why I started doing 90-day coaching.

The people who hire me are owners, often owner-couples. They run a restaurant, usually one to three locations. Maybe they’ve got kids. And ultimately they want to know: how do we grow our business and make sure we’re successful without having to be “in it” every day?

What does life look like for the typical restaurant owner “couple?”

Well, it’s busy. If they’ve got kids, there’s lots of daycare, after-school programs. Figuring out who’s picking up the kids and a million other logistics. Who’s handling chores and repairs and general maintenance at their house. Who’s going to be at the restaurant when.

It’s really, really tough for a married couple. They’re at the top of the line. It falls on them to share challenges with each other — they don’t want to take worries and complaints down to employees. They act like business associates, and a lot of times, they don’t know how to create a boundary between that relationship and their personal one.

"You can have success in this industry without sacrificing your whole life. You don’t have to choose."

What are the consequences of making your restaurant business the center of your universe? Of always being in “go mode”?

I had a client in LA; she and her husband had not taken a vacation in 7 years. Seven years! The wife had been in that restaurant every single day because she felt like no one cared as much as she did.

The mindset of a restaurant owner is full-throttle, full-sprint — constantly. And yes, there are times when more is required: New Year’s Eve, Mother’s Day. Sure, there are going to be longer hours.

But it doesn’t have to be that way all the time. You can have success in this industry without sacrificing your whole life. You don’t have to choose.

When a couple opens a restaurant, they usually want to create revenue streams. They want to work for themselves. And usually there’s a level of passion there. But the thing is: if you let it take over, this lifestyle will burn you out.

In our business, if you don’t figure out some kind of work-life balance, it inevitably leads to mental health issues and things like depression, divorce, drug abuse, suicide. It’s a huge risk to yourself, your family and your business if you don’t put systems in place that allow you to breathe.

What are prevailing myths or misconceptions about the restaurant business that you have to help your clients “unlearn?”

There’s a big myth about restaurants not being profitable. The average person doesn’t get into this business thinking they’ll be printing money. They come into it assuming margins will be low. But that’s wrong, and part of that problem is driven by an outdated operating model.

For example: Currently, everyone talks about your P&L and keeping your controllables between 60 to 65 percent, and your non-controllables around 10%. That’s the old model. So yeah, profitability of restaurants isn’t great when you compare it to other investment opportunities, but that’s because the P&L was set up a really long time ago.

Another big myth: You have to work 70 hours a week to be successful or to see major growth. Again, that’s no longer true.

And then there’s this myth that if you underpay people, you’ll have more profit.. That’s a big one — because you get what you pay for. Think of your people as an asset versus a liability. You get owner-operators with no experience, and they’re trying not to pay much, so they bring on unseasoned management, and it becomes a problem.

Ok. So if you’re looking for profitability and growth, but you don’t want to work 70 hours a week, where do you start?

Time management is so important. We tend to multi-task all the time, and that’s not always good. It leads to mistakes and jobs that are only halfway done.

Less multitasking, more focus. It’s little things — like if you’ve got people in a meeting, make sure they’re in the meeting. Not checking phones, working on their laptops. Everyone needs to be engaged, which ultimately saves time because things don’t have to be repeated and nothing gets missed.

Stop multitasking during business hours. Block off time to get work done before the doors open — because once that happens, your guests should be your only priority. You shouldn’t be in the office writing schedules, or holding counseling sessions, or placing your produce order — you should be fully engaged in execution on the floor.

When you’re trying to focus on a million things at once, the hospitality aspect of your business is going to suffer.

If you get the right people — people you really trust — then you give yourself a whole new level of freedom. You can work on growth and expansion. You can take care of your family. You can take a vacation.

That makes sense — but it’s also easier said than done, isn’t it? Given the fact that it’s so hard to hire and retain staff, it seems like owners have no choice but to take more on.

Everyone is talking about the worker shortage. But I haven’t had issues during Covid, and my clients haven’t had issues.

If you create a great culture, and you become the kind of boss you’d want to work for, you’ll be the employer of choice. People will gravitate toward you. And once you’ve got a few great employees — well, they say eagles fly with eagles. Tell your top employees, “I need another you,” and have them bring you more great employees. Then cut them a generous referral check if those new employees make it through their trial period.

That’s far better than signing bonuses. Instead of saying — “Hey, we’re going to pay new people, but not you,” you’re showing your current employees that you value them, and they become your ambassadors.

Or: instead of paying someone a signing bonus, pay them an extra dollar an hour instead. That’s going to take 90 days before you pay $500 extra. So if someone isn’t working out, you save money. And if they’re doing a great job, then they’re worth that extra dollar.

The idea is that if you get the right people — people you really trust — then you give yourself a whole new level of freedom. You can work on growth and expansion. You can take care of your family. You can take a vacation.

What do you tell your clients to look for when they’re hiring?

Again, you want to hire people who you can trust so that you don’t have to micromanage, you don’t have to babysit.

Talent and skillset are important. But not as important as mindset. Find an employee who really cares, who’s responsible, who is self-managing. You can teach them the skills later.

How do you hire for mindset?

I worked in a Nashville steakhouse. I had 250 applications for 25 spots. A 10 to 1 ratio. I put them in order of experience level. At the very top, the servers had around 15 years of serving experience in high-end establishments, and at the other end of the spectrum they had less experience at lower-end restaurants.

I interviewed them in that order — but the interview itself had nothing to do with experience or skillset. It was all about mindset. What was their family like? What do they like to do in their free time? It’s like a sports team: yes, you want the skillset, but you need to bring on players who can play together.

Sometimes I ended up hiring someone farther down the line just because of the interview. I hired one guy who volunteers with the blind. That’s a person who cares about people. Another server was the oldest of three kids, his mom was a single mom, he took on a lot of responsibility to provide for his family. That’s a dude you want on your team.

Another source of heartburn for owners is turnover — maybe you get the right people, but they move on. How do you combat that?

Restaurateurs tend to not proactively search for people, and that’s a mistake. Two servers give notice, suddenly you’re scrambling. You hire the first person who walks in.

I encourage my clients to always accept applications. Always be hiring. Are there applicants who can raise the bar? Are there toxic employees you can remove? And are there super employees who you can help advance in their career?

So what’s the big takeaway for restaurant folks who feel like they are drowning?

You don’t have to do it all to be profitable, or even to experience significant growth. You just need the right foundation and a team you can trust. Getting all of those pieces in place is an investment on the front end for sure, but it’s the key to work-life balance in this industry.

Want to learn more about optimizing your systems, product and people to achieve work/life balance in the restaurant industry? Contact Monte to learn more about his service offerings at hashtagrestaurateur@gmail.com

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Kickfin is proud to announce that we have once again been named to the 2025 Deloitte Technology Fast 500™, a ranking of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies in North America, now in its 31st year.

Kickfin is the only company on the list purpose-built for restaurants and bars to automate tip management — marking another major milestone for our team, our partners and the thousands of restaurant operators who trust us to modernize their tip-pooling and payout workflows.

Why it matters

When it comes to tipping out employees, cash is no longer king — and needs are changing fast. Hospitality workers demand (and deserve!) faster, cashless payouts; burned-out managers need more hours in their day; and now more than ever, operators care about visibility, compliance, and employee satisfaction.

Kickfin delivers on all of those fronts by:

  • Freeing managers up from bank runs and the back office, so they can focus on everything that can’t be automated.
  • Ensuring employees walk out the door with their earnings already in their existing bank account, no waiting, no detours.
  • Helping operators stay compliant, track everything, and uncover new efficiencies.

What sets Kickfin apart

There’s a reason Kickfin is the best-in-class tip management solution.

  • Broader POS integrations: We’ve expanded our direct integrations with leading POS brands, including Toast, Square, SkyTab, Genius POS, Union, and more — so managers can pool and pay out tips in a matter of clicks.
  • Enhanced tip-pool logic and flexibility: Our platform automates even the complex tip pool policies, with more tip pooling and automated reconciliation features than any other solution, while keeping the end-user experience simple and intuitive.
  • Instant, cashless payouts: With fewer cash drawer runs and real time bank deposits, teams experience faster shift-close, fewer errors and improved satisfaction.
  • Built-in compliance and reporting: As tip-pooling regulations continue to evolve, Kickfin empowers customers with robust features like digital paper trails and payroll integrations to ensure accuracy and compliance from end to end.
  • Customer success focus: Our fully U.S.-based Customer Success team is partners with customers to make onboarding fast and easy, no matter how tricky your tip policy may be, so you get ROI right away.

A big thank you

We’re honored to be recognized by Deloitte, and even more excited about what comes next. For restaurant operators, managers and employees alike, the future of tip management is here, and we’re thrilled to be your partner.

Ready to see what automated tip pooling and instant payouts look like in action? Book a demo today!

Brand new feature, coming in hot!

As part of our latest product release, Kickfin now offers Blended Payouts for even easier, fully automated tip management and reconciliation.

Why Blended Payouts Matter

Now more than ever, restaurant guests use credit cards or digital payment methods instead of cash. For many operators, that means there isn’t enough cash on hand at the end of a shift to pay out tips. But employees still want to receive their payouts immediately after clock-out. 

As our customers know, Kickfin solves for those cash shortages by automating and digitizing the payout process — giving you the power to send instant, cashless payouts directly to your employees’ bank of choice, 24/7/365. 

The result: minimal cash handling and risk, better accuracy and tracking — and of course, fewer bank runs.

However, digitizing payouts often results in some leftover cash in the drawer. Over time, we’ve heard from customers who prefer to use up that cash to pay out tips, then distribute the remaining tip amounts via Kickfin. 

With Blended Payouts, you can do just that — and still account for every penny paid out, quickly and accurately, within the Kickfin platform. 

How Blended Payouts Work

As always, all Kickfin customers can still choose to split individual payment amounts between instant payouts and payroll. Once you enable the new Cash Payouts feature, you will now be able to account for any cash tip payments that were also distributed.

Note: This feature lives within Kickfin’s Tip Calculator, which means you must have an active POS integration to use it.

  • Once it’s enabled, you’ll see the new “Cash Payouts” button on the Payment Review screen.
  • After clicking the button, users will be able to enter the individual cash amounts that were distributed to employees.
  • Back on the Review screen, you’ll see instant payout, payroll, and cash payment amounts for each employee. All three payment methods will have their own line items and be accounted for under your Payment Details.

Watch here for a full walkthrough of the new feature.

Ready to enable Blended Payouts? 

If you’re a current customer, in touch with our Customer Success team at support@kickfin.com to activate this new feature.

(Not a customer yet? Click here to see Kickfin in action and learn how you can automate tip pooling and payouts!)

Kickfin is excited to share the latest addition to our integration marketplace. Read on for all the details around our partnership with Union POS. (If you’re a current Union POS customer and you’d like to learn more about how Kickfin automates tip pooling and payouts, schedule a live demo here.)

AUSTIN, Texas (August 13, 2025)—Kickfin, the leading tip management software, today announced the launch of its integration with Union, the purpose-built POS and engagement platform powering the nation’s busiest bars, nightclubs and restaurants.

Thousands of operators use Kickfin to eliminate tedious tip calculations and remove cash from the tip distribution process so managers can move faster, track everything, and ensure accuracy and compliance.

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By activating the Kickfin-Union integration, we eliminated clunky spreadsheet formulas and fully automated our tip pooling process. After going live, we reduced our time to close out by an average of 30 minutes after every shift.

The Kickfin-Union integration gives Union’s customers the power to auto-calculate tip pools in a matter of clicks and send payouts directly to employees’ bank of choice—no cash or pay cards required.

“By integrating with Kickfin, we’re giving operators the power to choose best-in-class tools that work seamlessly with their Union POS and data,” said Alex Broeker, the CEO and founder of Union. “This direct integration brings automated tip management to our operators while unlocking new opportunities for operational efficiency, employee satisfaction and simplified compliance.”

KPG Hospitality, which operates experiential bars and unique concepts throughout Texas and Tennessee, was among the first operators to activate the Kickfin-Union POS integration.

“Our venues run at a very fast pace. When you consider the time it takes managers to manually calculate tip amounts every day, after every shift, across every location, it’s a lot of unnecessary admin hours,” said Troy Cramer, the managing partner at KPG. “By activating the Kickfin-Union integration, we eliminated clunky spreadsheet formulas and fully automated our tip pooling process. After going live, we reduced our time to close out by an average of 30 minutes after every shift.”Key Features of the Union + Kickfin Integration:

  • Automated Tip Pool Calculations: Calculate complex tip pools in seconds, saving managers hours of administrative work while ensuring accuracy and transparency.
  • Instant Cashless Payouts: Pay out tips directly to employees’ bank of choice instantly, eliminating the need for cash handling and bank runs.
  • Simplified Compliance: Maintain a digital record of every payout, making tip reporting and tax compliance straightforward.
  • Enhanced Tracking: Easily track tips by pay period with comprehensive reporting capabilities.
  • Streamlined Operations: Implement complex tip policies with just a few clicks through an extremely easy-to-use interface.

“Our integration with Union, a leading POS system built specifically to support the busiest venues in the industry, makes perfect sense,” said Kickfin co-CEO Brian Hassan. “Together, we’re creating a solution that saves time, reduces errors, and delivers a better experience for both operators and their staff.”

Available immediately through both Union and Kickfin, venues can integrate their systems and begin leveraging these capabilities today. To learn how this partnership can transform your tip management operations, schedule a demo at GetUnion.com or kickfin.com/demo.

About Union
Union powers a first-of-its-kind venue operating system purpose-built for the nation’s busiest bars and restaurants. More than a point-of-sale, Union connects 1,500+ establishments with 5M+ consumers and leading brands through real-time consumption data. The platform drives operational efficiency, enables frictionless mobile ordering, and facilitates brand-patron interactions that enhance venue loyalty. With $2B+ in annual transactions, Union creates a virtuous cycle where venues improve customer experiences, brands gain direct consumer engagement, and patrons enjoy personalized rewarding hospitality—transforming high-volume operations into next-gen guest experiences. To learn more about Union, visit http://www.getunion.com

About Kickfin
Kickfin is a leading digital tip management platform that automates tip pool calculations and delivers cashless tip payments directly to employees’ bank accounts. Designed to eliminate the administrative burden of tip management, Kickfin helps restaurants, bars, and hospitality venues save time, reduce errors, and improve employee satisfaction. With features like instant payments, digital record-keeping, and simplified compliance, Kickfin is transforming the way venues handle tip distribution in today’s increasingly cashless economy. 

If you’re in the market for tip management software, you might find yourself comparing Kickfin and TipHaus. 

Kickfin is the largest provider of instant tip payouts on the market and has processed more than $2 billion in employee payments for all kinds of restaurants, from “mom-and-pops” to national franchises — and everything in between. 

Kickfin and TipHaus are both designed to digitize tip distribution for restaurants. However, there are some significant differences between the two platforms that you’ll want to consider before making a decision. 

Kickfin and TipHaus: Compare at a Glance

Why Do Operators Choose Kickfin Over TipHaus?

Kickfin Offers Better Pricing 

Kickfin’s direct-to-bank transaction fees are more competitive than the transaction fees TipHaus quotes their customers.

This is primarily due to the fact that Kickfin is the largest provider of instant payouts in the country (validated by Visa and MasterCard data), with more than $2 billion in employee payments and multiple payment processor relationships.

Employees Prefer Kickfin

Kickfin was built to make life easier not just for operators, but also for their employees.

  • No app downloads: Kickfin only requires a one-time, 30-second enrollment for employees. (No app downloads or extra phone storage needed!) Payment history and reporting data can be viewed as needed simply by logging into their browser.

  • No paycards required: Kickfin also doesn’t require pay cards, while TipHaus offers “HausMoney” as a primary payout option for employees. HausMoney is essentially a pay card that employees’ tips are loaded onto. Funds aren’t available to use until the following day. HausMoney may be free for operators, but many employees don’t want to be forced to use a pay card due to the hassles of transferring funds to their own bank accounts, as well as the transaction fees and wait times they may incur. They’d prefer their earnings streamed to their accounts instantly, after every shift—which is how most Kickfin customers choose to pay out their employees.

Zero Prefunding* With Instant Payouts

With Kickfin, customers can send instant, direct-to-bank payouts with zero prefunding required.* While TipHaus does offer zero prefund, employee payouts must be sent to a TipHaus paycard (HausMoney). In other words, if you want to use a zero prefund option with TipHaus, you won’t be able to offer instant, direct-to-bank payouts to your employees.

Option to Manually Input Tip Data

With TipHaus, a POS integration is required, and all tip payment data is generated by the software’s tip calculator.

Kickfin was designed for ultimate flexibility. While many customers use Kickfin’s POS integration to auto-calculate tip amounts, some restaurants don’t need automated tip calculations and prefer to use Kickfin unintegrated. That isn’t an option with TipHaus.

Additionally, some Kickfin customers use Kickfin to auto-calculate tip pools, then manually upload other tip data on an as-needed basis. This comes in handy when you need to pay out “extra” staff, like entertainers, security guards, etc.

Easy, Accurate Distribution of Auto-Gratuities and Service Charges

Kickfin tracks Tips and Auto-gratuities separately. As a result, you can report those types of payments to payroll separately and handle them independently for tax purposes.

Why does that matter? In light of the 2025 “No Tax on Tips” legislation, tipped employees no longer have to pay federal income tax on the first $25,000 in tips earned each year. However, they do need to pay taxes on earnings from services fees, autogratuities and other compulsory charges that are not considered tips by the IRS.

(If 100% of your service charges does not go to your employees, Kickfin allows the “house account” to retain a portion of service charges, while the rest is distributed to your team.)

Enhanced Tip Calculation Functionality and Features

Kickfin’s Tip Calculator was designed to be both highly robust—so it can handle the most complex tip pooling policies—while also being incredibly simple and intuitive to use.

A few unique things about Kickfin’s Tip Calculator:

  • No data sync delays: Tip calculations are immediate and on-demand. With Tiphaus, a data sync process is required which can add extra time to your tip calculation process.

  • Built-in flexibility: Kickfin releases new Tip Calculator features on a regular basis based on feedback we regularly source from customers. For example, Kickfin now offers check splitting for both individual checks and groups of checks, making it easier to handle large parties and events.

  • Ease of use: Customers regularly shout out our sleek, high-quality user interface compared to other platforms. Notably, we’ve made it easy for managers to review all details before hitting “submit,” ensuring the accuracy of every payout.

Cash Tip Tracking and Payouts

Many operators choose Kickfin because they don’t have enough cash on hand to pay out credit card tips, and they want to reduce the amount of cash handling in their restaurant altogether.

However, we know cash will probably always be (a small) part of the equation. Kickfin makes it easy for you to handle that with some added functionality:

Tips left in cash: If a diner leaves a pile of cash at your table, it might not get recorded in your POS. However, Kickfin allows you to record it and distribute it through our platform.

Cash payouts: Many operators may want to distribute all of the cash left in their register at the end of a business day to avoid bank runs. Again, that’s easy to do with Kickfin.

Multiple Payment Processors for Guaranteed Deliverability

For many employees, especially those living paycheck to paycheck, it’s critical that they receive their tip earnings and that they’re instantly accessible/ready to use.

TipHaus uses only a single processor. Kickfin uses multiple payment processors to ensure deliverability of payouts should a processor experience a disruption or become insolvent.

Direct POS Integrations

All of Kickfin’s POS integrations are direct API integrations, while TipHaus has been known to utilize third-party software to integrate with some POS systems. The problem with third-party software is that it can be susceptible to more connectivity issues, creating problems with data reliability.

Top-Ranked Customer Support

Kickfin has an award-winning Customer Success team that is exclusively focused on helping our operators get the most value possible out of Kickfin.

Every member of our team is based in the U.S. We provide free, personalized training and onboarding for your whole team, and when questions or issues arise, we can be reached by phone, email, text or chat. We also have a robust library of support documentation and videos that provide step-by-step guidance for every aspect of the platform.

Credibility and Recognition

At the end of the day, Kickfin’s large and fast-growing customer base speaks for itself, as do their rave reviews of the platform.

For multiple years, Kickfin has been the only tip management software that is recognized on both the Inc. 5000 and Deloitte Fast 500 lists. Kickfin has received recognition from peer software review sites like G2 and Capterra for consistently high customer rankings and reviews.

*Zero prefund is available to select customers after a credit review to confirm their fit with the zero prefund program.

Ready to take the next step?

See why thousands of restaurant pros use Kickfin to auto-calculate tip pools and pay out tips in real time, no cash or math required! Get a demo today.

 

See Kickfin in action!