Module 6 · 22 plays
The Money System
The biggest module, in four runs: collect what you're owed (01, 02, 03, 09, 10), price, paper and bill so jobs keep their profit (04, 06, 07, 17, 18, 19), insurance money (08, 13, 14, 15, 16, 20, 21, 22), and the cash cushion (05, 11, 12).
The plays
Collect what you're owed · 5 plays
- M6-01Fifteen Minutes a Week on the Money You're OwedMost owners find out how much they're owed the day the bank balance scares them — payroll's Friday, the account's thin, and only then do you go digging for…Spreadsheet
- M6-02If "the Office" Owns It, Nobody DoesAsk who's chasing the money you're owed and you hear "the office handles it." That's the whole problem in five words. "The office" isn't a person — so the…Printable card
- M6-03The Call You're Not Making Is Costing YouYou're owed thousands on a roof you finished weeks ago, and you still haven't picked up the phone — because calling feels like begging, or like picking a…Printable card · En español
- M6-09The Lien Is the Hammer You Only Swing When They Flat Refuse to PayA homeowner or GC has your finished roof over their head and simply won't pay the last chunk — not "can't right now," but ignoring your calls, your invoices…
- M6-10Know What You've Earned Before the Bank Tells YouYou look at the bank account and think it's telling you how the business is doing. It isn't. A job that's half-built has already eaten half your money —…Spreadsheet
Price, paper and bill so jobs keep their profit · 6 plays
- M6-04Find the Loss Before You Sign the BidBids go out optimistic and come back losers. The tear-off ran two days long, the access was a nightmare nobody priced, the second layer nobody caught — and…Printable card
- M6-06Price Every Job to Keep the Profit You Meant ToYou win the job, you build it clean, the check clears — and somehow there's barely anything left. The price felt right when you wrote it, but the profit you…Spreadsheet
- M6-07Set When You Get Paid So You Never Fund the Job YourselfYou buy the material, you make payroll, you eat the dumpster fee — and the homeowner's money doesn't show up until the roof is done, if it shows up on time…Spreadsheet
- M6-17Found Rot at Two O'Clock? Nothing Else Happens Until It's SignedTear-off is half done and the crew finds rotten decking, or a second layer nobody counted. Your foreman does the right thing and fixes it. Nobody writes…Spreadsheet · Printable card · En español
- M6-18Before Anybody Tears Off, It's All on the PageThe fight you have on day three — the gutters, the second layer, the start date — was already decided on day one, by what was or wasn't on the page the…Printable card
- M6-19When the Last Check Clears, Grade the JobYou can tell anybody what a job was supposed to make. You can't tell them what it actually made. The bid sits in a folder, the real cost is scattered across…Spreadsheet
Insurance money · 8 plays
- M6-08The Carrier's First Number Is a Starting Point, Not the CheckOn a storm job, the insurance company sends an estimate and you treat it like the price of the roof. You bid to it, you build to it, and you leave real money…Spreadsheet
- M6-13Your Storm Money Comes in Stages — Know Who's Holding Each PieceYou run an insurance roof like a retail roof: one price, one customer, one check coming. So when the first insurance check lands low, you panic — or you…
- M6-14The Second Check You Never Went Back ForThe storm job is done. The first check cleared, the homeowner paid their deductible, the crew's three tear-offs down the road — and a chunk of that claim is…Spreadsheet
- M6-15Know Whose Name Is on the Check Before You Spend ItThe insurance money clears, the homeowner waves the check, and you go buy shingles and cover payroll — then you find out the check has the mortgage company's…
- M6-16When They Ask You to Eat the Deductible, Have Your Answer ReadySooner or later a homeowner at the kitchen table leans in and asks, "Can you just take care of my deductible?" — and the guy down the road is already saying…Printable card · En español
- M6-20Find Out What the Policy Actually Pays Before You Price the RoofYou price a storm roof off the adjuster's estimate and off what the homeowner remembers about his coverage. You sign it. Then the roof is on, there's no…Printable card
- M6-21Say the Out-of-Pocket Number Out Loud, EarlyThe carrier's money doesn't cover the roof. You know it in the driveway and you don't say the number, because saying it might cost you the job. So it gets…Printable card
- M6-22A Supplement Nobody Answers Isn't Denied — It's ParkedYou sent the supplement a month ago. No approval, no denial, no email — nothing. You keep telling yourself somebody over there is reviewing it. It's parked…Printable card
The cash cushion · 3 plays
- M6-05When Payroll's on the Line, Meet on Cash Every DayIt's the week payroll might not clear. Money's owed all over town, a big check hasn't landed, and the account's too thin to cover Friday. This is the moment…Printable card
- M6-11Fill the Tank in Summer So Winter Doesn't Break YouRoofing money comes in waves — you're slammed and flush all summer, then the phone goes quiet and the account drains through the slow months. Every year the…Spreadsheet
- M6-12Make Your Supplier Your Bank — Without Owing ThemEvery supplier will hand you material now and bill you later. That's a real tool for smoothing out cash — or a slow trap that turns into a balance you can't…