Let’s talk about something most entrepreneurs don’t want to admit:

You’re great at making money…
but your own paycheck is inconsistent at best.

Some months you take a big draw.
Other months you take nothing and hope things bounce back.

And while your revenue might look strong on paper, your personal finances are holding on by a thread.

If that sounds familiar, you’re far from alone.
51% of business owners go months without paying themselves.

Not because they don’t want to. Because they don’t have a system.

Let’s change that.

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Why “I’ll Pay Myself When I Can” Doesn’t Work

This is how most people manage their owner pay:

• Big month? Pay yourself more than usual.
• Slow month? Cut yourself out of the equation completely.
• Repeat.

It’s emotional, reactive, and a fast track to burnout—especially if you’re also the main income earner in your household.

Without a plan, your business becomes a never-ending cycle of stress.
You’re always “figuring it out,” but never actually building wealth.

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The Consistent Cash Method™: A Simple Framework for Real CEO Pay

This is the method I teach clients to bring stability to their finances—without needing to budget down to the penny or live in spreadsheet hell.

And while this example keeps things simple, know that tax considerations (like S Corp payroll, distributions, reasonable comp, and estimated payments) are always handled separately in our tax planning work.

1. Build Your Business Buffer

This is your emergency fund.
Set aside 2–3 months of non-negotiable business expenses in a separate account.
This is for emergencies—not slow sales.

2. Create a Stability Fund

This one’s just for you.
Save 2–3 months of your baseline personal salary.
This is the fund you pull from during slow revenue periods so your personal pay doesn’t take a hit.

3. Set a Consistent Monthly Draw

Pick a monthly salary that covers your basic—but fully livable—needs.
Think rent or mortgage, groceries, insurance, childcare, etc.
For most entrepreneurs I work with, that’s at least $6,000/month.

This is your non-negotiable. You get paid, every single month, no matter what.

4. Automate It

Treat it like payroll.
Same day. Same amount. Every month.
You are not the leftover in your business.

5. Route Extra Profit Into a Bonus Pool

Once your business expenses and salary are covered, set aside the extra.
At the end of each quarter, pay yourself 60–70% of that pool as a bonus.
Let the rest stay in the business to support growth.

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What This Looks Like in Real Life

Let’s say:

• Business expenses = $6,000/month
• Owner salary = $6,000/month
• Stability fund goal = $12,000 (2 months of personal pay)

Month 1

Revenue = $17,000 → Profit = $11,000
✔️ Pay yourself $6,000
✔️ Add $5,000 to your stability fund

Month 2

Revenue = $12,000 → Profit = $6,000
✔️ Pay yourself $6,000
✔️ No need to touch the fund this month

Month 3

Revenue = $20,000 → Profit = $14,000
✔️ Pay yourself $6,000
✔️ Add $7,000 to top off your fund
✔️ Remaining $1,000 → Bonus pool

End of Quarter Bonus:
Bonus pool = $1,000
Take 70% = $700 bonus to you
Let $300 roll over in the business

Even with moderate profit margins and fluctuating revenue, you still got paid every single month—and you’re no longer stuck in emotional money decisions.

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So—What’s Next?

If you’re serious about getting out of reactive money mode and into strategic CEO leadership, you’ve got two options depending on where you are in your business:

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✅ Just getting started and need a simple, affordable framework?

We cover all of this (and more) inside the Financial Foundations Accelerator.
You’ll learn how to manage your money, create clarity in your finances, and finally feel like you know what you’re doing—without needing to become a spreadsheet wizard.

🔗 Join the Financial Foundations Accelerator

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✅ Already making multiple 6 or 7 figures?

It’s time to stop DIY-ing your compensation.
Book a comprehensive consultation and walk away with a tax strategy and owner pay plan tailored to your actual goals—not just what your payroll app spits out.

🔗 Book Your Consultation

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You didn’t build a business just to pay everyone but yourself.
Let’s fix the part no one taught you—so your income reflects your impact.