The Solopreneur’s Money Map

Description

What’s in it

• Chapter 1 — Why most solopreneurs are quietly broke (the 6 patterns that destroy finances)
• Chapter 2 — Separating business from personal (the foundation, with US + EU bank options)
• Chapter 3 — The Profit-First allocation method (4-account system + percentages + worked examples)
• Chapter 4 — Bookkeeping without becoming an accountant (3 tools, the weekly 20-min rhythm, 10 expense categories)
• Chapter 5 — Invoicing systems that get you paid faster (3 approaches, the 4-email follow-up sequence)
• Chapter 6 — Taxes — US version (federal, SE tax, state, sales, quarterly estimates, S-corp decision)
• Chapter 7 — Taxes — EU version (income, social contributions, VAT, country-by-country breakdown for DE, FR, NL, ES, UK)
• Chapter 8 — Paying yourself (salary vs draw, 3 methods, minimum viable paycheque calc)
• Chapter 9 — Building business savings (4 buckets, where to keep them, funding order)
• Chapter 10 — The annual financial review (6 things to check, 5 questions to answer)
• Appendix — 4-week setup checklist, allocation spreadsheet template, quick-reference cheat sheet, recommended professionals