Money conversations don’t need to be scary or spreadsheets‑deep. This episode gives a practical, timed playbook to build a one‑page Podcast P&L in ten minutes so solo hosts can decide whether to chase sponsors, launch a $5 mini‑product, or adjust production cadence. PodRick walks you through fixed vs variable costs (hosting, music, tool subscriptions, your time), a safe CPM framing for tiny shows, a conservative sponsorship runway model, simple pricing heuristics for mini‑products or bonuses, and a one‑line break‑even formula: (monthly costs ÷ net per‑episode revenue) = episodes to breakeven. You get explicit copy‑paste inputs for a downloadable spreadsheet, a risk‑calibrated approach to setting expectations, and a micro‑challenge: build your P&L this episode and visit newpodcity.com/financialroadmap to download the template and example numbers.