We lay out a simple, construction-specific system for paying yourself with discipline using a three-account waterfall, then dive into owner pay, distributions, and the rules that keep taxes protected and jobs funding themselves. We share red flags to watch and a weekly cadence to build healthy reserves and reduce stress.

• profit first adapted for construction cash flow
• three core accounts with weekly sweep rhythm
• strict rules for taxes, COGS, and personal pay
• owner wages versus owner distributions clarified
• milestone versus guaranteed distributions compared
• pricing structure that funds labor and profit
• equipment treated as overhead, usage billed on jobs
• red flags on margin, overhead creep, and low reserves
• tight-cash playbook to freeze draws and cut burn
• weekly and monthly finance cadences that compound

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