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Notes

Financial thinking, written down.

Notes on cash, forecasting, and the decisions owners actually have to make — from the people who build the models.

All Decision-MakingCash & RunwayOperationsRaising & BorrowingForecastingHiring & Growth
Cash & Runway
AR isn't revenue: how to get paid faster
Revenue on paper is not cash in the bank. The gap between them is where most cash crunches actually hide — and DSO is the number that measures it.
July 7, 2026 · 3 min read
Operations
Why your month-end close takes so long
The average owner waits 23 days for numbers they then can't act on. What actually causes the delay, and how to get the close to the 15th.
July 1, 2026 · 3 min read
Cash & Runway
Burn rate: what it tells you that your P&L doesn't
Gross burn, net burn, and what each one signals about how long you can operate at your current shape — for businesses that aren't venture-backed.
June 26, 2026 · 3 min read
Cash & Runway
How to calculate your real runway
Most owners know they have “X months of runway.” Almost none trust it — because it came off a bank balance, not committed spend.
June 24, 2026 · 3 min read
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