Only 5% of ecommerce owners we surveyed said they could actually forecast their financials with confidence. The rest were guessing — checking the bank balance and hoping the math worked out.

A 13-week cash forecast isn’t complicated. It’s a spreadsheet with two columns: money in, money out, for the next 13 weeks. Updated every week. It doesn’t need to be perfect to be useful — it just needs to be current. That one habit, done consistently, is what separates the 5% who feel in control from the 95% who are constantly reacting.