List fixed and discretionary expenses, then model three scenarios: expected, conservative, and stormy. Include taxes, irregular costs, and seasonal dips. Forecast marketing and lead time lags so you’re not surprised by slow pipeline build. Build a six-to-twelve-month cushion if possible, and consider transitional income streams that keep momentum without derailing focus. Revisit your numbers monthly, cut nonessential costs early, and measure decisions against the runway days you either gain or lose.
Plan healthcare, insurance, and retirement contributions with the same rigor as your business model. Compare private options, group associations, and spousal coverage. Preserve disability and liability protections suited to independent work. Automate retirement contributions at a lower level initially, then ratchet up as revenue stabilizes. Document emergency protocols and beneficiaries. Treat benefits as crucial infrastructure, not a later convenience, so your wellbeing and family security remain intact while your venture finds reliable footing.
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