Decisions
Source-backed choices with assumptions, risk, and what would change the answer.
3 active
Vehicle restructure
Caravan first, Everest second, then decide whether the Y Performance stays.
cash Today
Clears the exit order before any new debt.
monthly
Reduces payments, insurance, registration, and mental load.
twelve Month
Improves buffer rebuild.
three Year
Reduces vehicle leakage before lifestyle upgrades.
Assumptions
- Rare towing days can be rented or borrowed without breaking family plans.
- The payout letter is current enough for this month’s decision.
Source links
Vehicle payout letter
Risk
Need to rent or borrow towing capacity on rare weekends.
What would prove this wrong
Actual towing or warehouse transport exceeds rental cost.
Salary firewall
Separate salary, reimbursements, director loan, and distributions into explicit rails.
monthly
Makes business-paid personal items visible before family spend.
twelve Month
Creates a cleaner accountant and advisor packet.
Assumptions
- Owner drawings and household cash need separate labels before briefing.
- The export is a snapshot, not a connected Xero feed.
- The Stripe payout file is a manual export, not live connectivity.
Source links
Stripe payout reconciliation
Xero Stripe clearing
Bank Stripe payout
Xero May export
Advisor brief
Risk
Treating mixed lines as clean income will hide reimbursements.
What would prove this wrong
Every owner transfer already has source-backed treatment.
Leak review
Food delivery, shopping, subscriptions, and small SaaS need a weekly pass.
monthly
Finds the fastest non-structural pressure release.
twelve Month
Turns tiny leaks into visible annual drag.
Assumptions
- The family card CSV captures enough variable spend to spot the drag.
- Small items are reviewed as pressure, not as moral failure.
Source links
Family card CSV
Risk
Over-correcting lifestyle spend without fixing fixed commitments.
What would prove this wrong
Fixed commitments, not variable spend, explain the squeeze.