Most ecommerce sellers I talk to don’t have a cash strategy. They have a revenue strategy. They have a growth strategy. But when it comes to cash, most are just watching the bank account and hoping the math works out.

A real cash strategy has three parts.

First: a 13-week cash forecast, updated weekly. This tells you what’s coming in, what’s going out, and where the gaps are — before they become problems.

Second: dedicated accounts for specific purposes. Inventory. Taxes. Operating expenses. Profit. When everything runs through one account, you can’t see what you actually have. Separation creates clarity.

Third: a reserve. Three months of operating expenses, built deliberately over time. This is what lets you make decisions from a position of strength instead of desperation.

These three things together form a cash strategy. Not complicated. Not expensive to implement. But they change everything about how a business operates and how an owner feels when they open their bank app in the morning.