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Practical reading
Plain-English pieces on hiring, margins, cash flow, and owner pay.
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What a hire actually costs beyond wage
Why wage times 1.3 often misses payroll taxes, workers comp, benefits, and overhead.
Hiring
Mar 12, 2026
How to model owner compensation without guessing
A calm way to weigh profit, working capital, retained earnings, and tax set-aside.
Planning
Nov 5, 2025
Working capital vs owner draw
How cash needs for operations can change what an owner can reasonably take.
Cash Flow
Jul 22, 2024
Payroll taxes and workers comp
How payroll taxes and workers comp change a hire estimate by state and class code.
Hiring
Jan 17, 2023
When a second hire changes your margins
How adding another role can shift contribution margin and cash timing.
Margins
Sep 19, 2023
Building a hiring model you can revisit
Keep inputs you can update when wages, benefits, or headcount change.
Hiring
May 8, 2023
Retained earnings as a planning input
Treat retained earnings as a number you can model, not a leftover after the fact.
Planning
Feb 6, 2024
Why wage times 1.3 is usually wrong
A flat markup often misses taxes, workers comp, benefits, and overhead that change by role.
Hiring
Sep 14, 2022
Reading an itemized cost estimate
How to read each line in an itemized hire estimate before you trust the total.
Hiring
May 11, 2022