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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2025 was a defining year for Kickfin and the customers who rely on our software to automate their tip management processes

Driven by direct customer feedback and the evolving realities of restaurant operations, our Product Development team delivered a wave of meaningful enhancements across tip calculation, integrations, user controls, and accounting.

Before we look ahead to 2026, here’s a look back at the product advancements that made Kickfin more robust, more flexible, and more ready to meet the demands of restaurant teams than any other tipping solution.

Advanced Tip Calculator Enhancements

n 2025, we significantly expanded the functionality of Kickfin’s Tip Calculator. Here are a few standout features that we released:

Separate Tips and Auto-Gratuities

Kickfin now tracks tips and auto-gratuities separately, allowing operators to report them independently to payroll and manage them differently for tax purposes.

This distinction is especially important in light of the 2025 No Tax on Tips legislation. While tipped employees no longer pay federal income tax on the first $25,000 in tips earned annually, auto-gratuities, service fees, and other compulsory charges remain taxable.

Kickfin ensures those earnings are categorized correctly from the start — reducing downstream payroll and compliance risk.

House Accounts for Service Charges

Not all service charges are distributed 100% to employees — and Kickfin allows you to handle that with “House Accounts.”

Operators can retain a portion of service charges while distributing the remainder to the team. This is particularly valuable for:

  • Special events and private dining
  • Paying out job roles that don’t typically participate in tip pools (e.g., event managers)
  • Maintaining clarity and transparency around service charge allocation

More Flexible Tip Share Logic

No two restaurants share tips the same way — and Kickfin’s calculator now supports even more real-world scenarios.

Operators can configure tip shares:

  • By shift or by check close, ensuring support staff are compensated appropriately even if they didn’t touch a specific check
  • By hours worked or split evenly, a level of flexibility that remains unique to Kickfin
  • With advanced rules for “remaining tips,” allowing operators to define how servers and bartenders split earnings after support positions are paid out.

These enhancements allow Kickfin to support everything from simple pools to highly complex policies.

Check-Level Edits for Greater Accuracy

POS data doesn’t always capture every nuance, so managers may need the ability to make changes.

Kickfin now supports individual check-level edits for:

  • Cash tips
  • Auto-gratuities
  • Check details and splits

This ensures large parties, special events, and edge cases are handled accurately.

Tip Calculator Change Log for Auditability

Any check-level change made by a manager is recorded in a detailed change log. This creates a clear audit trail, helping operators resolve questions quickly and reinforcing transparency and trust with staff.

Enhanced Functionality for Smarter Cash Handling

Thousands of restaurants use 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 for deposits. Again, that’s easy to do with Kickfin’s “Blended Payouts” feature.

Enhanced Support for Toast Delivery Service Tips

Kickfin now handles Toast Delivery Service tips more intelligently by excluding driver tips from the general tip pool and assigning those tips directly to the delivery driver. This ensures tips are distributed exactly as intended.

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.

Expanded POS and Payroll Integrations

New POS Integrations

In 2025, we expanded our POS ecosystem with new integrations including Union POS and rPOWER. POS integrations eliminate manual uploads, reduce errors, and enable real-time tip calculation and reconciliation. Learn more about integrating your POS with Kickfin.

New Payroll Integrations

We also launched new payroll integrations with ADP Run, Paylocity, and Restaurant365 Payroll.

Once activated, Kickfin generates export files that sync seamlessly with your payroll system — significantly reducing manual work for payroll teams.

Looking Ahead

platform that keeps pace with the ever-changing complexity of modern hospitality operations.

If you’re not yet using Kickfin, now is the time to see what advanced tip management really looks like 👉 Schedule a demo today!

If you’re already a Kickfin customer, our team is happy to walk you through what’s new. 👉 Schedule a quick consult to learn more.

And of course: Stay tuned for what’s to come in 2026!

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. 

See Kickfin in action!