Cash Flow First: Finance Fundamentals for Entrepreneurs
Simple systems to stay solvent, profitable, and fund growth. 1. Separate Money, Always Business bank account + expense card. Zero co-mingling. 2. The 4-Bucket System COGS: costs to deliver (target margin ≥ 60% for services, ≥ 40% for products). OPEX: rent, tools, payroll (keep < 30–40% of revenue). Tax: set aside monthly (15–30% depending on…