The danger of over-entrepreneuring

I was working with a client the other day whose business has relatively large cash deposits each day, 7 days a week, along with all of the merchant credit and debit cards they process. They had become disgusted with the 50 cents, or whatever the nominal amount was, that they were paying the bank for each deposit they were making. So, they decided to begin making a deposit only every 3 or 4 days, instead of every day. Deposits are always made by night deposit drop by a manager on the way home, so reducing the number of deposits wasn't saving staff time/cost to make them, simply saving this 50 cents per deposit bank fee to process.

While I admire their attention to detail in looking for cost savings any/everywhere, this particular one was a little ridiculous to me for two reasons. First, holding so much cash on hand for so long just begs for trouble from theft, etc.. If all I have to pay is 50 cents to feel secure that my cash for that day is safely put into my account without any further worry about it, to me, that's a bargain.

Second, and more importantly, is that grouping deposits like that makes it harder and more time consuming for me to do my checking/review of their books, since I now have to add daily amounts together to match to a single deposit on the bank statement. The 50 cent savings from the bank is easily being more than offset by increases in my time, which is billed by the hour.

Now, I'm not normally one to complain about taking money from a bank, but I think this is a classic case of an entrepreneur making a bigger deal of a cost than it really is. Sometimes business owners will find these things because they object to the principle of paying it (this particular client has a hate-on for the banks as it is, so wasn't even phased when I explained it was costing them more for my time - it was justified in his mind if he got to screw the banks in the process).

Other times, this kind of harm-inducing tinkering comes about when entrepreneurs are bored or suspicious of their own successful operations. Businesses that are running well and experiencing consistently growing sales and profits are prime candidates for over-entrepreneuring by owners who have a natural uneasiness about things operating "smoothly", and so they invent things to fix that don't in fact need fixing. They have struggled so hard for so long to make their business successful, turned over every leaf in finding and fighting to get the business to this stage, that it seems soul-shakingly unnatural to them to not still be finding things to change.

And, so when there aren't big things to change, they get out the microscope and find the little things to change. And, they make a change, because their experience has conditioned them to believe that's what they need to do. They cannot simply leave things be, because it feels wrong to do so. And, the result can be unnecessary, or even detrimental, changes to something that was just fine as it was.

As an entrepreneur, do you have the ability to know when to say "enough", and avoid the peril of over-entrepreneuring? Do you have someone around you who will tell you when you can't see it for yourself?