What are you weighing this week?
Your cash stays above your safety floor for the whole year ahead. That's room to make a decision on purpose.
Runway is how many weeks your cash stays above your safety floor, using everything Stellium can see coming: payroll, rent, taxes, and your insurance deposits.
Weighing it3
Still thinking it throughCan I afford a second full-time clinician?
“Every time I think about it I open the bank app and close it again. I just need to know if I can carry her until insurance starts paying.”
Pay myself a real salary, the same amount every month
“I'm working harder and somehow have less money. I want a real paycheck, the same amount, on the same day, instead of taking whatever's left.”
Take six weeks off next July with the kids
“I want to take the summer with my kids without the practice falling apart while I'm gone. I keep telling myself next year.”
Ready to decide2
The numbers are inWhat if December is as slow as last year?
“Last December I was doing Friday's payroll math in my head at 11pm. I don't want to feel that again this year.”
Set aside 8% of every deposit for taxes
“The April tax bill knocked the wind out of me. I have a bookkeeper, but I still didn't see it coming.”