The Cost of Hiring: Salary vs. Total Burden
Item Typical Range Quick Note Base Salary 100% The number you usually negotiate Payroll Taxes & Statutory Costs 10% – 18% of salary Social security, Medicare, unemployment, etc. Benefits (health, retirement, leave) 10% – 30% of salary Varies by country, industry, and generosity Overhead (office, tools, admin) 5% – 25% of salary Space, software, equipment,
Valuation Multiples: What Is Your Business Actually Worth?
Method Typical Multiple Range Best For Biggest Risk Revenue Multiple 1x – 4x+ annual revenue High growth, simple models Ignores profit quality EBITDA Multiple 3x – 8x EBITDA Stable, profitable businesses Easy to “massage” EBITDA SDE Multiple 2x – 4x seller’s discretionary earnings Owner-operated small businesses Heavily dependent on owner role Net Profit Multiple 3x
Insurance Audits: Are You Overpaying for Liability Coverage?
Question Quick Answer Are most businesses overpaying for liability coverage? Many are, often 10% to 30% above what they should pay. Biggest reason for overpaying Wrong payroll / revenue estimates and old classifications that never get cleaned up. What fixes it Annual insurance audits, clean data, and active communication with your broker. Time required each
Profit First Methodology: Allocating Cash Before Expenses
Quick View Details Main Idea Take profit and pay yourself first, then run the business on what is left Core Mechanism Separate bank accounts for Profit, Owner Pay, Tax, and Operating Expenses Best For Small and mid-sized businesses, solos, agencies, coaches, service providers, ecom Biggest Benefit Profit becomes a habit, not a wish at year
Recession-Proofing: Building a War Chest
Aspect What It Means Why It Matters In A Recession War Chest Size 3 to 12 months of expenses in cash or near-cash Buys time to make smart moves instead of panic moves Cash Mix Checking, high-yield savings, short-term treasuries Balances safety, access, and a bit of interest Debt Position Low high-interest debt, predictable payments
Tech Stack Audits: Cutting Unused SaaS Subscriptions
Aspect What You Get From a Tech Stack Audit Primary Goal Cut unused or low‑value SaaS and reduce recurring costs Time Required 1 to 3 weeks for a first full audit, then quarterly reviews Typical Savings 10% to 35% of total SaaS spend in the first year Who Should Own It Founder, COO, or head
