Find the cash that should always sit in the bank, how far you are from it, and how much is safe to spend.
How the money comes in
When customers pay
$72,500 should always sit in the bank.
You are $14,500 under that floor.
Two weeks of pay: $18,462
The next payroll, plus your own pay, always covered.
One month of fixed bills: $12,000
Rent, loans, insurance, and software, paid on time.
Slow-pay gap: $12,000
Covers the weeks you wait to get paid.
Slow-month cushion: $24,000
Covers a slow stretch without panic.
Taxes and big bills: $6,000
Already spoken for in the next 90 days.
Set aside about $1,850 a week for 8 weeks. You hit the floor the week of Dec 28.
Joey Zoccali works with owners who are still the bottleneck. Thirty minutes. Bring this result.