Profitable on paper. Broke in real life. Here's why.Revenue, owner pay, and profit are three different numbers - most sole proprietors only track one and wonder why they never get ahead. This playbook separates them on purpose: a five-account system, a pricing calculator that finds your real floor rate, and a quarterly rhythm for paying yourself first, every time.Inside, you'll find: - The Account Architecture - five accounts that separate revenue, taxes, costs, salary, and profit - The Pricing Calculator - find your Floor Rate, the minimum you can charge and still hit your own numbers - Three pricing models - hourly, project-based, and value-based, with a worksheet for converting your Floor Rate into any of them - A full worked example - one fictional business's entire year, showing exactly how each tool feeds the next - Cost Creep Audit and Client/Project Profitability reviews - catch a shrinking margin before it becomes a crisis - The Rate Increase Decision Worksheet - know when it's time to raise prices, with numbers instead of a feeling Built for sole proprietors, freelancers, and independent contractors who are tired of getting paid in whatever's left over after everything else is covered.No jargon. No business degree required. Just the system.
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