12‑Month Payroll Runway: A Month‑By‑Month Cashflow Plan That Keeps Your First 12 Paydays

Most new home care agencies fail because they run out of payroll runway, not because they lack clients. In this 25‑minute Executive Roundtable, Daniel, Claire, and Sophia walk listeners through a practical, month‑by‑month 12‑month cashflow plan used across Scott McKenzie’s 531+ HCAB launches. You’ll get explicit assumptions to model client growth, billing lag for private pay and Medicaid (including how the one‑year Medicaid rule affects revenue timing), expense levers to protect the first 12 paydays, and founder mindset checkpoints to stop destructive hiring decisions. Claire ties forecasts to common state enrollment timelines; Sophia reframes the emotional choices founders face when payroll crunches arrive; Daniel delivers the CEO decision framework you’ll use with your accountant or consultant. This episode ends with an actionable mid‑episode and outro CTA to get HCAB’s 12‑month runway spreadsheet Scott uses in client launches.