Resources
Definitions, calculators, templates and writing — free, and written for people who do this for a living.
Writing on practice economics, advisory delivery and what changes when finance work gets faster.
OpenPlain-English definitions of the financial terms clients ask about — thirty and counting.
OpenFree tools for runway, burn, margin, DSO, break-even and the other numbers that come up mid-conversation.
OpenBoard decks, cash flow models, hiring plans and trackers you can hand a client today.
OpenSetup, connections and how the product behaves in the situations that matter.
OpenWhat shipped, and when.
OpenFrom the blog
The three most recent posts — free to read, and free to forward.
Construction · 8 min read
Your subcontractor payment terms decide whether you need a line of credit — not your win rate. Here's how the three clause types hit your cash conversion cycle, and the exact language to push back on.
ReadConstruction · 7 min read
The labor burden rate construction estimators skip is why a 15% margin job finishes at 2%. Here's the full burden stack, the formula, and typical burden by trade.
ReadConstruction · 7 min read
A single blended equipment cost per hour punishes your busiest machines and subsidizes the ones sitting in the yard. Here is the ownership-plus-operating build-up, and why a dual rate puts idle time where it belongs.
ReadCalculators
Free to use, and short enough to run on a client's figures while they're still on the phone.
Months of cash left, with revenue growth factored in.
Gross and net burn from a single month of numbers.
Gross, operating and net margin side by side.
How long a client is waiting to get paid.
The revenue line where fixed costs are covered.
What a hire costs once taxes and benefits are in.
Glossary
Plain English, one page per term — written for the client, not the accountant.