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💡 Tip of the Week
Choose one day each week to fund your profit first accounts and pay the bills. Don't think about finances until next week comes around.
Experience peace of mind the rest of the week!
In This Issue
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Why rhythm fixes cash flow chaos |
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Allocation Day, the consistent habit that creates calm |
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What to do when cash is short |
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Quarterly Profit distribution and target tune up |
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Rhythm, Set It and Stop Stressing
Profit First Series, Week 4 of 4
Why Rhythm Fixes Cash Chaos
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Cash chaos is not a character flaw; it is a system problem. Most business owners live in reactive mode, constantly bouncing back and forth from panic (when bills come due) and relief (when cash comes in). Take a moment to honestly ask yourself “how long can you continue to deal with the anxiety and stress that this pattern brings?”
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This reactivity creates chaos in your business. When there’s chaos, it’s very unlikely we have any idea what is going on in the business, how healthy it is, or what you need to do next to reach your ultimate goals.
There is a solution to this though! Rhythm. A steady rhythm gives you back evenings with your family and the freedom to work on the business instead of worrying about it. |
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How to “Rhythm”: Allocation Day
Think about your heartbeat. One measure of your health is a pulse that is steady and regular. If your pulse is going too fast for too long or is irregular, you definitely need to see a doctor. Your business finance also needs a steady and regular pulse so you can see its' health clearly.
Here’s how Rhythm works:
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Choose your Profit First allocation frequency that works for your business (weekly, bi-weekly, 10th/25th). Pro tip: choose a frequency that aligns with your payroll schedule (See video below for intro to the 10/25th rule!) |
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On “Allocation Day”, take all the funds that have accumulated in your Income account and distribute it to the core Profit First accounts using your current percentages. |
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Transfer the Profit and Tax amounts to the remote Profit and Tax Vaults you set up in part 3 of this series |
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Pay the bills on your allocation day. More on this below. |
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Watch your income account grow every day! |
| If cash is tight, keep the habit small, start at one percent Profit and one percent Owner’s Comp, build the muscle, build the rhythm. |
Bill Pay Day
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On your allocation day, pay the bills that have accumulated since your last Allocation Day in a single sitting. Review them, order by importance, and work down the list until the available OpEx dollars for this cycle are used. If bills remain, wait for the next Allocation Day. That is not failure, it is a useful signal from your business.
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What a shortfall may be telling you
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What do you do about it?
This signal is an opportunity to take active steps to course correct and prevent future crisis from happening.
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Your Shortfall Playbook
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Trim or postpone nonessentials, and redirect savings to future cycles
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Renegotiate pricing, timing, or terms with vendors, request due dates that align with your Bill Pay Day
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Align autopay’s and recurring bills to land inside your decision window
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Tighten collections, review accounts receivable, confirm insurance and third party payments if applicable
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If margins are thin, evaluate pricing and delivery, keep TAP changes for the quarterly tune up so you maintain discipline
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Why this rhythm pays off
| After a few rounds, you will begin to notice patterns becoming visible. You learn the shape of your revenue, the cadence of expenses, and the timing of bills. You develop a fingertip feel for what is normal. When something shifts, you see it quickly, and you can act early while the impact is small. |
A quick example
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“Picture a busy chiropractic office. Patients coming and going, staff juggling calls, the waiting room always full. Last year, we helped them adopt Profit First. Within months, profits jumped by more than ten percent.”
With Monday Allocation and Bill Pay Day in place, something curious appeared a month ago: we noticed several weeks where OpEx came up short. Instead of panic, the rhythm gave them a signal. We pulled the thread and uncovered a hidden issue—hundreds of thousands of dollars in insurance claims stuck in limbo.
Without that rhythm, the discovery might have taken months and led straight to a cash-flow crisis.
With it, the business spoke up early—quietly, clearly—and the owner had time to act.
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The deeper win
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Money panic steals the joy from your life's work. I talk to owners every day who deal with this for years, checking their balance again and again, carrying the weight of payroll, debt, and due dates from breakfast to bedtime. Rhythm breaks that doom cycle.
When you sit with the bills only two or three times a month, you decide in one calm window what to pay, and then the worry is silent on the other days. With the noise gone, you can lead, mentor your team, serve your clients, be present with your family, and feel your confidence return. The system keeps you informed, you keep your peace, and you become a steadier, wiser owner. I sincerely want that relief for you, this is the way out. |
Quarterly Profit Distribution & TAP Tune-Up
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Celebrate
Profit is your reward for owning a business—not a leftover tip.
Each quarter, take half the Profit account for yourself. Enjoy a family celebration or reduce personal debt. Leave the other half as your safety and growth reserve. Pay your quarterly estimated taxes from the Tax account.
Strengthen
Use this ritual to step back and review your progress toward profit goals. Notice patterns, celebrate wins, and reconnect with your “why.”
Adjust
Compare results to your Target Allocation Percentages. Nudge one or two points toward your targets. A few quarters of this steady tuning creates a completely different business—and a completely different you.
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Quick Win
| Choose your allocation schedule, put them it in the calendar, turn on automatic transfers for those times, and set a reminder to review your percentages at the end of the quarter. Small, consistent actions create durable profit and peace of mind! |
Watch: quick explainer
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Small Plates: Why Multiple Accounts Win
Click to watch the quick explainer →
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Prefer a link? Watch the clip here.
Need Help Setting Your Rhythm?
Reply to this email and I will walk you through choosing your Allocation and Bill Pay days, setting simple bank rules, and creating an 18 month tune up plan for profit goals.
SCHEDULE A STRATEGY SESSION NOW!
Adam Litster
Chief Profit Architect
Better Biz Info
(816) 500-5779
[email protected]
www.betterbizinfo.com
Simple systems. Consistent profit.
How do you like this edition of The Profit Shift?
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Framework Summary
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