Household Runway: The Founder’s Cashflow Stress Test Before You File for License

Many new home care founders prepare a business plan but forget the single largest failure vector: the founder's household cashflow gap during licensing and first payroll. Drawing directly from Scott McKenzie’s experience and HCAB’s 531+ licensed agency launches, this episode delivers a practical, CEO‑level 12‑step cashflow stress test you can run in 90 minutes. Daniel frames the hard financial tradeoffs CEOs must make; Claire maps which state licensing timelines (including Florida AHCA and common Medicaid provider enrollment lags) amplify cash risk; Sophia walks founders through the family conversations, emergency budget moves, and permission‑based scripts that protect relationships and keep the launch on track. You’ll leave with specific dollar triggers, a 90‑day runway target, a prioritized checklist of short‑term revenue plays, and the exact language HCAB founders used to secure temporary support without burning bridges.