The Jet Ski Paradox - Why You’re Broke with $20k in the Bank. (You need Tradie Cashflow Management)
- Tim Bond

- 20 hours ago
- 2 min read

Key Takeaways:
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We’ve all been there.
You open your banking app on Friday morning. You see $25,000 sitting in the account. You feel like a king. You think, "Beauty, I can finally buy that new drop saw/trailer/Jet Ski."
So you spend the money.
Then, two weeks later, the BAS is due ($12k). Then the supplier bill lands ($8k). Then payroll hits ($5k).
Suddenly, you’re in the red. You’re stressed. You’re calling clients begging for payment.
This is "Bank Balance Accounting," and it is the #1 killer of trade businesses.
Your bank balance is a liar. It doesn't tell you whose money that is. It doesn't tell you about the future. But our Tradie Cashflow Management System does!
The Traffic Light System. You don't need to be an accountant, but you do need a Dashboard.
You need to know your "Survival Number": If the phone stopped ringing today, how many weeks could I survive?
Red Light (<4 weeks): Panic stations. Don't buy the Jet Ski. Go win work.
Green Light (>12 weeks): Safe. Now you can invest. You also need to stop confusing Markup with Margin. (Hint: If you add 20% to your costs, you are NOT making 20% profit. You’re making 16%. That 4% gap is where your profit disappears).
Stop guessing. Stop hoping. Get a cockpit that tells you the truth about your cash.
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