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Business Clarity in Five Lines:
see where your money actually goes
updated 26-09-2026

Why the money never seems to be there
You finish the month and the numbers look fine on paper. But the money never seems to be there when you want to use it - to take a proper break, turn down a client who drains you, or put something aside for a slow patch.
Most independent professionals can tell you what they charge and roughly what they earn. What they cannot see is where the money splits on the way through. Every practice runs on five lines: what comes in, what it costs to deliver, what it costs to find the next client, what it costs just to run the business, and what is left over as real profit.
Business Clarity in Five Lines puts those five lines in front of you, one at a time, and works out each as a share of revenue. It takes about fifteen minutes.
What's inside the workbook
The five lines explained in plain language, with the healthy range for each:
- delivery 40-60%, finding new clients 20-35%, running the business 5-15%, profit 15-25%
- A fifteen-minute review that turns your monthly profit and loss statement into a picture you can read
- The warning signs that tell you which line to fix first, and the order that earns you the most for the effort
- What to hand off and what to keep, and how the numbers shift across the three stages of a practice
What you'll walk away with
- A clear picture of where your money actually goes, as five lines you can read on one page
- The healthy range for each line, so you can see at a glance which one is off
- The one line to fix first, and the order that returns the most for the effort
- A decision you can act on the same week, not another plan to sit with
How it works
Download the workbook. Block fifteen minutes somewhere you won't be interrupted.
Pull your monthly profit and loss statement, work through your five lines, and you will see which one is pulling on the others.
You do not need to be good at numbers. The free calculator on the Five-Line Framework page works out your four percentages from the figures your bookkeeping software already gives you.
Who this is for
It fits if you run your practice yourself, you have years of client work behind you, and you would rather act on one clear number than sit through another plan that stays abstract. It is written for independent professionals over 50, and it assumes nothing beyond seeing your own figures.