#finance

Explain the law of supply and demand. Concepts: Equilibrium price, surplus, shortage. Shift factors: Income, Preferences, Substitutes. Diagram description: X (Quantity) and Y (Price) axes with intersecting curves.

Build a 3-year financial forecasting model for a SaaS startup. Inputs: 1. Customer Acquisition Cost (CAC). 2. Monthly Recurring Revenue (MRR) growth rate. 3. Churn rate. 4. Headcount expansion plan. 5. Operating expenses (OpEx). 6. Server/infrastructure costs. Outputs: 1. Cash flow statement. 2. P&L statement. 3. Burn rate analysis. 4. Break-even point calculation. Include sensitivity analysis scenarios.

Create comprehensive financial forecasting system. Components: 1. Build three-statement model (P&L, Balance Sheet, Cash Flow). 2. Implement driver-based forecasting with key assumptions. 3. Create best-case, base-case, and worst-case scenarios. 4. Add sensitivity analysis for critical variables. 5. Include variance analysis comparing actuals vs forecast. 6. Build executive dashboard with KPIs and trends. 7. Implement rolling forecasts with monthly updates. 8. Add Monte Carlo simulation for risk assessment. Use Excel with VBA or Python with Pandas.

Create comprehensive SaaS financial model. Components: 1. Revenue projections with cohort analysis. 2. Unit economics (CAC, LTV, LTV:CAC ratio). 3. Monthly Recurring Revenue (MRR) and churn modeling. 4. Operating expenses breakdown (COGS, S&M, R&D, G&A). 5. Cash flow statement with runway calculation. 6. Scenario planning (best case, base case, worst case). 7. Key metrics dashboard (ARR, NRR, Rule of 40). 8. Cap table and dilution modeling. Include sensitivity analysis and investor-ready formatting.

Build a break-even analysis tool for business planning. Calculations: 1. Fixed costs (rent, salaries, software). 2. Variable costs per unit (COGS, commissions). 3. Price per unit and contribution margin. 4. Break-even point in units and revenue. 5. Margin of safety percentage. 6. Profit/loss at different volume scenarios. Create interactive calculator with charts showing break-even point visually. Include what-if analysis for pricing and cost changes. Provide interpretation guide for non-financial users.

Manage personal finances with the 50-30-20 budgeting rule. Allocation: 1. 50% Needs (housing, utilities, groceries, insurance, minimum debt payments). 2. 30% Wants (dining out, entertainment, hobbies, subscriptions). 3. 20% Savings & Debt (emergency fund, retirement, extra debt payments, investments). Track with apps: Mint, YNAB, Personal Capital. Automate savings (pay yourself first). Review monthly. Adjust percentages based on goals and life stage. Build 3-6 month emergency fund first. Simple framework for financial health without restrictive budgeting.

Analyze unit economics. Framework: 1. Revenue per unit. 2. Variable cost per unit. 3. Contribution margin (revenue - variable costs). 4. Fixed costs allocation. 5. Breakeven point (fixed costs ÷ contribution margin). 6. CAC payback period. 7. LTV to CAC ratio. 8. Gross margin percentage. Must be positive at unit level for viability. Economies of scale improve metrics. Model different scenarios.

Establish a billing dispute resolution process. Steps: 1. Acknowledge the dispute immediately. 2. Request specific details and documentation. 3. Review account history and transactions. 4. Explain charges clearly with itemization. 5. Identify any errors or misunderstandings. 6. Offer immediate correction if error found. 7. Provide detailed invoice breakdown. 8. Follow up to ensure satisfaction. Prioritize quick resolution and transparency.

Build a 5-year financial projection model for Series A fundraising. Components: 1. Revenue forecast with multiple growth scenarios (conservative, base, aggressive). 2. Unit economics (CAC, LTV, payback period). 3. Operating expenses breakdown (headcount, marketing, infrastructure). 4. Cash flow statement and runway calculation. 5. Key metrics dashboard (burn rate, MRR growth, gross margin). Use Excel/Google Sheets with clear assumptions tab. Include sensitivity analysis for key variables.

Build financial projections. Components: 1. Revenue forecast (customers × price × conversion). 2. Cost of Goods Sold. 3. Operating expenses (fixed + variable). 4. EBITDA and net income. 5. Cash flow statement. 6. Balance sheet projections. 7. Break-even analysis. 8. Scenario modeling (best/worst/realistic). Use conservative assumptions. Update monthly. Essential for fundraising.

Calculate and optimize CAC. Formula: Total Sales & Marketing Costs ÷ Number of New Customers. Best practices: 1. Segment by channel. 2. Include all costs (tools, salaries, ads). 3. Track cohorts over time. 4. Compare to LTV (LTV:CAC ratio should be 3:1). 5. Payback period (ideally < 12 months). 6. Optimize high-CAC channels. 7. Increase conversion rates. 8. Retention reduces effective CAC.

Calculate customer lifetime value. Formula: Average Order Value × Purchase Frequency × Customer Lifespan. Approaches: 1. Historical (actual data). 2. Predictive (cohort analysis). 3. Segment by customer type. 4. Factor in churn rate. 5. Include gross margin. 6. Discount future cash flows (NPV). 7. Track LTV trends. 8. Optimize to increase LTV. LTV:CAC ratio crucial for sustainability. Aim to maximize LTV through retention.