Ep. 3: Cash Reserves: How Much Is Enough?

Austin and Steven Abbott tackle one of the most common questions business owners ask: how much cash should actually sit in the bank? Grounded in Proverbs 6:6-8 the ant that stores in summer and gathers at harvest. Steven pushes back on the popular "six months of reserves" rule and lays out a more practical approach: starting with one month of fixed expenses and adjusting from there based on your business's seasonality and customer concentration. It's an honest look at both extremes: the stress of too little margin and the excess cash that quietly signals a bigger stewardship question.