Cedar & Iron is built on a subscription-based, relationship-first model. This page tracks the difference between total revenue (gross) and true take-home (net) after all expenses, taxes, and financial goals.
This is not just about income—this is about margin, mission fit, and long-term viability.
Purpose of This Page
Key Definitions
| Term | Definition |
|---|---|
| Gross Revenue | All monthly client subscription income before any deductions |
| Operating Expenses | Software, vehicle, gifts, admin tools, licenses, phone, mileage, etc. |
| Retirement Contributions | Solo 401(k), Roth IRAs (you and spouse), HSA, kid IRAs |
| Other Obligations | Tuition, travel reserve, home office rent-back, etc. |
| Net Income | Take-home income after all expenses and investments are covered |
Monthly Tracking Template
| Month | Clients (by Tier) | Gross Revenue | Expenses | Contributions & Tuition | Net Income | Blocks Worked | Net per Block |
|---|---|---|---|---|---|---|---|
| Jan | 2C, 2P, 3L | $45,000 | $3,000 | $13,000 | $29,000 | 34 | $853 |
| Feb | |||||||
| … |
Update monthly to keep a live pulse on workload vs reward.
Rolling Annual Summary
| Year | Avg Monthly Gross | Total Expenses | Total Contributions | Annual Net | Avg Weekly Blocks | Avg Net per Block |
|---|---|---|---|---|---|---|
| 2025 | $45,000 | $36,000 | $156,000 | $171,700 | 8 | $412 |
| 2026 |
Insights to Capture Each Quarter