The FRB Framework

A practical structure for staying in control of your business finances.

Core Principle

Visibility before growth.

Growth without visibility creates risk. Revenue means nothing if you don’t understand how it’s recorded, taxed, and protected.

Control your structure before you scale.

Layer One

Separation.

Business money and personal money must never mix. Separate accounts. Separate cards. Separate decisions.

Layer Two

Review.

Every month, review:

If you don’t look at it, you don’t control it.

Layer Three

Documentation.

Keep records clean. Store receipts. Keep meeting notes. File what must be filed.

Layer Four

Understanding.

Learn basic bookkeeping language. Understand how profit is calculated. Know what payroll and tax payments actually require.

Start Here

One action this week.

Download your last 3 months of bank and credit card statements. Review every line. Flag anything you don’t understand.

That single habit prevents most “caught off guard” moments.

Optional Reading

Direct downloads.

No funnel. No gate. Use what helps.

Read if you want to. Ignore if you don’t.

Occasional structural updates may be published. No cadence. No marketing.