09/07/2026
A business can have money in the bank and still not be in a good position to spend it. 💰
Before making a big purchase, hiring someone, taking a large owner draw, or adding another monthly expense, it helps to look at more than the current balance.
A few questions I think are worth asking:
What bills are coming up over the next 30 days?
Will this decision actually increase revenue, capacity, or reduce costs?
What new monthly expenses come with it?
How much cash reserve will be left afterward?
The goal isn’t to avoid spending money. It’s to make sure the money you spend actually helps move the business forward.
I’ve been building a free “Can I Afford It?” calculator to help business owners think through decisions like hiring, equipment purchases, and owner draws.
If you’d like a copy, feel free to reach out and I’ll send it over.
📍 Houston + remote clients