Some headlines say a recession’s coming.
Others say the economy’s surprisingly strong.
Meanwhile, you’re over here trying to run a business and wondering if you should be stepping on the gas or tapping the brakes.

Here’s the truth:
No matter what happens next, cash flow will decide who weathers the storm... and who gets caught off guard.

Because even in good times, businesses don’t fail because of a lack of profit.
They fail because they run out of cash.

If you’re a small or mid-sized business owner, now’s the time to tighten up — without panicking.

Here’s how.

1. Know Your Numbers (Better Than Ever)
It sounds obvious.
But a lot of small businesses don’t have a real grip on:

• How much cash is actually coming in (and when)
  

• How much cash is going out (and where it’s going)
  

• How long they could operate if sales slowed down tomorrow

Get serious about cash flow forecasting.
Look 3, 6, even 12 months ahead.
And don’t just build one forecast, build a few:

• A "best case" scenario
  

• A "most likely" scenario
  

• A "tighten the belt" scenario

Because hope isn’t a strategy.
Options are.

2. Watch Your Expenses Like a Hawk
When cash is flowing, it's easy to get loose.

Monthly subscriptions pile up.
That extra part-time hire feels harmless.
You add a few "nice to haves" to the office or the marketing plan.

Now is the time to get ruthless — not scared, but smart.

• Audit every expense
  

• Kill anything that doesn’t directly drive revenue or efficiency
  

• Renegotiate contracts where you can
  

• Delay non-critical upgrades and investments

Think lean, not cheap.
Cut fat, not muscle.

3. Speed Up Receivables, Slow Down Payables
Cash flow isn't just about how much you earn.
It’s about when you collect and when you pay.

Speed up your inflows:

• Invoice immediately (not at the end of the month)
  

• Offer small discounts for early payments
  

• Enforce payment terms politely but firmly

Slow down your outflows:

• Negotiate longer payment terms with vendors
  

• Take full advantage of any grace periods without damaging relationships
  

• Time payments carefully without risking penalties

In uncertain times, timing matters as much as totals.

4. Build (or Rebuild) Your Emergency Fund
You don’t need a war chest worthy of a Fortune 500 company.
But you do need a buffer.

Even setting aside one month’s operating expenses can buy you precious time if sales slow or unexpected costs pop up.

Three months? Even better.

Cash reserves give you options — the option to keep your team, maintain inventory, market strategically — when others are panicking.

Start small if you have to.
Consistency wins.

5. Stay Flexible and Stay in the Game
Will we get a recession? A boom? A little of both?
No one knows for sure.

What matters is being ready either way.

The businesses that survive uncertain times aren’t necessarily the biggest, or even the smartest.
They’re the ones that can bend without breaking.

• Flex your offers if customer demand shifts
  

• Watch your inventory levels carefully
  

• Keep marketing, but double down on what works
  

• Stay close to your customers and suppliers

And most of all, keep calm.
Panic is expensive.

Planning Ahead Means Sleeping Better at Night.

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Under U.S. Treasury regulations, any tax advice in this communication is not intended or written to be used to avoid IRS penalties. Tzinberg & Associates provides this information for general guidance only. It does not constitute tax advice, accounting services, investment advice, or professional consulting. Consult a professional adviser before making decisions or taking action, as the information is provided "as is" without any warranties regarding its completeness, accuracy, or timeliness.