Private, owners only

October cash plan

How the month goes down: the cash we expect to collect, where the bank account sits each day, the bills, and the debt we attack first.

Prepared
Thursday, October 1, 2026
Account
US Bank checking ending 0318
Floor we never go under
$10,000
01The headline numbers

Where we stand this morning

The bank has $20,564.02 before today's rent and payroll go out. Once they do, that is the lowest point of the month. From there the autopays land and the account climbs back.

Cash today
$20,564
Available right now, before rent ($3,702) and payroll (about $5,000) leave.
Low point
$11,862
About. Today or tomorrow, after rent and payroll, before the Stripe payouts land.
End of October
$13,732
About, counting only money we are sure of. About $21,198 if the open invoices get paid. Both after paying off the Amex line and the Platinum card.
Debt to attack
$58,186
Chase $34,525 + US Bank card $21,136 + Amex line $2,525. Platinum and Gold are bills we pay in full, not debt.

September for context: about $36.2k came in, about $20k went out on real spend, so about +$16.3k before owner draws ($4k). August was about -$1.5k.

02Cash we expect to collect

About $23.2k we are sure of, plus about $7.7k to chase

Retainers are on autopay and land in the bank the next business day, minus about 3% in card fees. ROC pays by bank transfer with no fee.

Lands, whoTo the bankStatus
10/2Jorge Ramos$1,000 October retainer, charged 7:06am today$971Paid
10/2 to 10/3McMenemy, Sparrow, NV Landscapes$2,500 + $1,750 + $2,500 = $6,750, autopay todayabout $6,553Autopay
10/8Project Wellbeing$4,500 invoice sent 9/30, due 10/7about $4,369Sent
10/16GGRE$2,500 autopay 10/15about $2,427Autopay
about 10/20CAM$3,500 invoice goes out 10/15about $3,398Monthly
10/15ROC$5,500 bank transfer, no fee. October invoice sent 10/1, due 10/15$5,500Monthly
Sure money, October$23,750 billedabout $23,219

Owed to us, not counted above until it lands

WhoAmountWhere it stands
CJ Johnsondue 9/29$1,200Overdue invoice email resent 9/30
NAMBdue 10/17$3,000To invoice send before 10/17
Veteran Social Clubdue October$1,000To invoice
CCMC balancedue 10/18$700Draft event is 10/24
Robert Condol podcastdue 10/2$338Pays tomorrow
Mahsheed Parsonsdue 10/1$325Held goes out when the 3 reels are delivered
Dawn Giordanodue 10/7$255Sent 9/30
Dino Zenunidue 9/30$250Overdue reminder draft still unsent
G Lending (Maria)due 9/22$250Overdue Luis handling in person
Dominique Jettdue 10/2$150Sent Jeremy asked, check 10/2
Jon Mackin podcastdue 10/2$150Booked
Scarlett Rosedue 9/17$75Overdue
Collect this month$7,693about $7,466 to the bank after fees
J LegacyAug + Sept$3,000On hold nothing ever collected, content held. Not in any total.

Also not counted: 9 Hawk $1,599 (shoot has no date yet) and The Sublimation House $10,000 (April invoice, see open decisions).

03The bank account, day by day

It dips twice and stays above the floor

The solid line is money we are sure of. The dashed line adds the invoices we are chasing. The red line is the $10,000 floor: one payroll plus one rent, so two weeks of zero collections never puts us in trouble.

Sure moneyIf the open invoices get paid$10,000 floor
See the day by day table
DateSure moneyIf collectedWhat moves
10/1$11,862$11,862Rent (Galindo Futures); ADP payroll, pay day 10/2 (about)
10/2$12,833$12,833Ramos $1,000, Stripe payout
10/3$19,386$19,386McMenemy 2,500 + Sparrow 1,750 + NV Landscapes 2,500, Stripe payout (net of about 3% fees)
10/4$19,386$19,386
10/5$19,041$19,659Chase Ink minimum, autopay | if collected: Dominique Jett $150; Robert Condol podcast $337.50; Jon Mackin podcast $150
10/6$18,179$18,797Amex Business Gold statement
10/7$18,179$18,797
10/8$22,549$23,414Project Wellbeing $4,500 (due 10/7), payout | if collected: Dawn Giordano $255
10/9$22,159$24,746Software and subscriptions (1 of 4) | if collected: CJ Johnson $1,200 (overdue); Dino Zenuni $250; G Lending $250; Scarlett Rose $75
10/10$21,959$24,546Zelle recurring (1 of 2)
10/11$21,959$24,546
10/12$21,476$24,064Amex line of credit minimum, autopay; NV Energy (about)
10/13$21,476$24,064
10/14$21,476$24,064
10/15$11,901$14,488Amex Platinum, paid in full (due 10/21); ADP payroll, pay day 10/16 (about); Tesla loan + insurance (about)
10/16$13,938$16,841GGRE $2,500 autopay 10/15, payout; Software and subscriptions (2 of 4) | if collected: Mahsheed $325 (after the 3 reels)
10/17$13,938$16,841
10/18$13,938$16,841
10/19$13,938$16,841
10/20$17,336$20,239CAM $3,500 invoice 10/15, payout (about)
10/21$22,836$25,739ROC $5,500 ACH (about 10/20)
10/22$20,014$22,917Amex line of credit payoff (rest of $2,524.98); US Bank card minimum (about)
10/23$19,624$26,410Software and subscriptions (3 of 4) | if collected: NAMB $3,000 (invoice before 10/17); Veteran Social Club $1,000
10/24$19,424$26,210Zelle recurring (2 of 2)
10/25$19,424$26,210
10/26$19,424$26,890if collected: CCMC $700 balance (event 10/24)
10/27$19,424$26,890
10/28$19,424$26,890
10/29$14,124$21,590ADP payroll, pay day 10/30 (about)
10/30$13,732$21,198Software and subscriptions (4 of 4)
10/31$13,732$21,198
Dip 1
$11,862
10/1 to 10/2, after rent and payroll. Back to about $19,386 by Friday 10/3.
Dip 2
$22,836
10/15, if we pay Platinum ($3,905) and payroll the same day. If it feels tight, pay Platinum 10/16 to 10/19, it is due 10/21.
High point
$22,836
After ROC's $5,500 lands mid-month. That is when we pay off the Amex line.
Oct 31
$13,732
Sure money. Then 11/1 brings rent ($3,702) and about $7,750 of autopays back in.
04Bills calendar

What we pay and when

About $30,051 leaves the account in October. That includes three payroll runs, the Platinum payoff and paying the Amex line to zero.

10/1Thu
Studio rent, Galindo FuturesCheck, same every month
$3,702
10/1Thu
ADP payroll, pay day 10/2About. Covers 9/12 to 9/25
about $5,000
10/5Mon
Chase Ink minimumAutopay. Keep it at the minimum until December
$345
10/6Tue
Amex Business Gold statementPay in full. Charge card, no interest
$862
10/12Mon
Amex line of credit minimumAutopay from 0318. NV Energy (about $180) lands the same week
$303
10/15Thu
Amex Platinum, paid in fullCard is cancelled. Due 10/21, so 10/15 to 10/19 both work
$3,905
10/15Thu
ADP payroll, pay day 10/16About. Tesla (about $370) lands the same day
about $5,300
~10/16Fri
Amex line of credit, pay to zeroThe rest after the 10/12 minimum. Only once ROC's $5,500 has landed and the bank stays above $17k
about $2,222
~10/16Fri
US Bank card minimumAbout. Paid from Josh's login, we only see the interest line in QuickBooks
about $600
10/29Thu
ADP payroll, pay day 10/30About
about $5,300
All month
Software and subscriptionsAbout $1,562 spread over the month, plus $400 of recurring Zelle
about $1,962

VA pay goes on the Amex Gold, not the bank, so it shows up in the Gold statement a month later. Not in the list: owner draws (none planned until the debt plan is settled), Krome IT's backlog, and anything on the open decisions page.

05Debt, ranked by what it costs

Attack the most expensive dollar first

Bar length is the yearly rate. The balance is next to the name. The order is set by the rate, not the size.

1. Amex Business Line of Credit, $2,525 owed of a $45,000 lineabout 30 to 32%
Gone in October. The $303 minimum autopays 10/12, the rest (about $2,222) once ROC's $5,500 lands. Smallest balance, highest rate, and it closes a door we should not walk through again.
2. US Bank credit card, $21,136about 20%
About $348 a month in interest right now. Next target from November: $2,000 to $3,000 extra a month on top of the minimum.
3. Chase Ink Unlimited, $34,525 on a $30,500 limit0% until Dec 11, then 16.74%
Free until December 11, 2026, so only the $345 minimum until then. It is $4,025 over the limit. Before December 11: a 0% balance transfer card if one approves us, otherwise it stays, 16.74% is still our cheapest debt.
Not debt: Amex Platinum $3,905 and Amex Gold $862paid in full
Charge cards. Platinum is cancelled and gets paid in full 10/15. Gold is the everyday card and gets paid in full every statement ($862 on 10/6, about $7,930 around 11/6).

Why we do not draw the Amex line to pay off a card

The fee1.5% a month
  • Charged on the original amount every month, even as the balance goes down.
  • 18 months on $42,500 = $11,475 in fees, $2,998.62 a month, with a personal guarantee.
What that really isabout 30 to 32% a year
  • Because you keep paying the full fee on money you have already paid back.
  • 6, 12 or 18 months all land in the same 30 to 32% range.
What it would replace20% or 16.74%
  • US Bank costs about 20%. Chase costs 0% now and 16.74% from December.
  • Swapping either for a 30% draw makes the debt more expensive, not less. A 0% balance transfer with a one time 3 to 5% fee is the cheap move.
06The plan

October, November, December

Steady first, then every spare dollar goes to the most expensive debt. No new borrowing.

OctoberSteady and clean up
  • Keep the $10,000 floor every day.
  • Gold $862 on 10/6. Platinum $3,905 on 10/15.
  • Pay the Amex line to zero once ROC's $5,500 lands (about 10/15 to 10/16).
  • Collect the $7.7k owed: CJ, NAMB, VSC, CCMC, Mahsheed, Dawn, Dino, G Lending, Dominique, Scarlett, podcasts.
  • No new Amex draws. Chase and US Bank at the minimum.
  • Ends at about $13,732 sure, about $21,198 if collected.
NovemberStart on US Bank
  • Cover the Gold statement, about $7,930, around 11/6. Keep card spend lean so the next one is smaller.
  • Then $2,000 to $3,000 extra a month to the US Bank card, on top of the minimum.
  • Retainers billed on the 1st, due in 7 days, autopay. Same every month.
  • Decide by 12/1: balance transfer card for Chase, yes or no.
DecemberDeal with Chase before 12/11
  • Chase's 0% ends December 11. After that it costs 16.74%, about $480 a month at today's balance.
  • Try a 0% balance transfer card. A one time 3 to 5% fee ($1,000 to $1,700) is less than a year of 16.74%.
  • If nobody approves us, Chase stays where it is. It is still the cheapest debt we have, so US Bank keeps getting the extra money first.
07Debt free timeline

At $4,000 to $5,000 a month toward debt

That is what September's numbers support after payroll, rent, software and a light owner draw. Faster if the open invoices keep landing on time.

Oct 2026Spring 2027End of 2027
October 2026
Amex line of credit: gone
$2,525 paid in full once ROC lands. Then the line stays at zero.
November 2026 to about March or April 2027
US Bank card: gone by spring
$21,136 at $4,000 to $5,000 a month is about five months. Saves about $348 a month in interest as it shrinks.
Spring 2027 through the end of 2027
Chase: paid down through 2027
$34,525 at $4,000 to $5,000 a month is about eight more months. A balance transfer in December keeps it cheap while we get there.
08Rules we follow

The playbook, same every month

  1. Never go under $10,000. One payroll plus one rent. Anything extra to debt is paid only on a day the bank stays above the floor plus the next payroll.
  2. Bill retainers on the 1st, due in 7 days, on autopay. Money lands on the 2nd and the 16th like clockwork. Manual invoices (PW, CAM, ROC, NAMB) go out the same day the work is due.
  3. Charge cards get paid in full, every statement. Gold and Platinum never carry a balance. What goes on the Gold this month is cash we need next month.
  4. No new Amex line draws. 1.5% a month on the original amount is 30% money. Once it is at zero it stays at zero.
  5. Most expensive debt first. Amex line, then US Bank at 20%, then Chase. Every extra dollar follows that order.
  6. Chase and US Bank at the minimum, on autopay. Never a late fee, never a missed payment, no surprises.
  7. Collections get checked every Friday. Anything past due gets a reminder the same day. No content ships to a client who has not paid.
  8. Owner draws come out of the debt money. Every $1,000 drawn is $1,000 that stays on a 20% card. Keep them light until US Bank is gone.
  9. After US Bank is gone: a tax and reserve bucket. 25% of each month's profit moves to a separate account so taxes and slow months never touch the floor.
09Decisions still open

Your call, one at a time

Mahsheed Parsons, board row $650 or $325?
Keep the row at $650 and mark it half paid: $325 paid 9/24, $325 open. The open invoice waits on the three reels. Suggest: keep $650, split it.
J Legacy, the $1,500 a month rows from October on
Done 10/1: recurring rows taken off the board, the $3,000 owed stays as money to collect.
Ramos, the August $1,000 row
August was headshots only ($500, paid). The $1,000 paid 9/2 was for September. Suggest: remove the August row, nothing is owed.
CCMC $2,250 check, marked paid 9/28
It is not in QuickBooks deposits yet (the bank feed is only current through 9/24). Suggest: confirm it was deposited. If it was, October is $2,250 better than this page shows.
The Sublimation House, $10,000 invoice from April
Invoice email bounced, nothing paid since 5/8. Suggest: one last phone and mail attempt this month, then write it off so the books stop counting it.
Chase is $4,025 over its $30,500 limit
The card is not being used, so no over limit fees yet. The December 11 question decides this. Suggest: decide on the balance transfer by 12/1, I will remind you.
QuickBooks clean up
Owner draws are booked as Legal fees, the Amex plan payment as Supplies, and the Amex feed has been stale since 9/24. Suggest: reconnect the Amex feed and recode those lines so the monthly numbers read true.

How the numbers were built. Start = $20,564.02 available in US Bank 0318 on 10/1 before rent and payroll. Stripe card payments lose about 2.9% + 30 cents and land the next business day; ROC's bank transfer has no fee. Payroll uses the last two ADP runs ($5,368 and $5,498), rounded to about $5,000 for 10/2 (Luis's figure) and $5,300 for 10/16 and 10/30, debited the day before pay day. Software and subscriptions use the 9/29 overhead list, about $1,562 a month, spread in four weekly chunks; part of that may ride on the Gold card instead, which would make October a little better and the November Gold bill a little bigger. The US Bank minimum is a guess at about $600 because that card is paid from Josh's login. Chase 0% end date and 16.74% rate come from the 9/11 statement. "About" means an estimate. Nothing on this page moves money by itself.