Cash Flow Management for the Perpetually Broke

The Cash Flow Paradox

You’re making money. Sometimes a lot of it. So why does it feel like you’re always broke?

Because revenue ≠ cash flow.

The 3-Account System

1. Operating Account

This is where all revenue lands and all expenses come from. It’s the workhorse.

2. Tax Account

Move 25-30% of every payment here immediately. When tax time comes, you’re ready.

3. Owner Pay Account

Pay yourself a consistent salary from here. This smooths out the feast/famine cycle.

Invoice Terms Matter

Net-30 is standard, but you don’t have to accept it. Offer a 2% discount for payment within 7 days. Many clients will take it, and you get paid faster.

The 90-Day Runway

Your goal: accumulate 3 months of operating expenses in your business savings. Once you hit this, you can say “no” to bad clients without sweating rent.

Track It in Real-Time

Seamless Expense shows your burn rate and runway automatically. No more surprise overdrafts.