DECISION 01
Can I afford a part-time coach?
Yes, but timing matters. Another coach makes the paycheck line harder to clear.
| Monthly view | Today | With coach |
|---|
Yes, but hire in January.
Give the cash cushion one more month to grow before the commitment.
Chapter 1 of 4August · Where we started
August 2026 / Health Check
Profitable. But headed toward the line.
The gym made money in August, but members slipped to 185—just 14 above the line that covers bills and your paycheck. Cash covered only 1.2 months of running costs, and $1,250 in failed payments was sitting uncollected. Fix the leaks before adding expenses.
I / Four things to know
A first look under the hood.
One good. Two warnings. One fix that costs money.
*SAMPLE: August Health Check summary. Net margin is before the $6,000 owner draw; $3,000 remained afterward.
Where the money went
From revenue to what stayed.
August 2026 / each cost takes another piece.
August / Dollars
The $38,000 walk-through
Money spentGym kept
*SAMPLE: hc_pnl. Revenue $38,000 − operating costs $29,000 = $9,000; − owner draw $6,000 = $3,000 left in the gym.
Watch the direction
Members slipping toward payday.
The dotted section shows where August's pace could lead—not what happened.
March – August / projected Sep – Nov
What's the trend?
ActualAt August's pace
*SAMPLE: actual members March–August. Sep–Nov dotted projection extends August's −5 net member change per month; not observed member counts.
The findings
Fix first. Then watch.
Each finding comes with a clear next action.
The health score
Five checks. No guessing.
5checks
*SAMPLE: status counts computed from the five hc_findings.
*SAMPLE: findings, statuses, and actions are taken from the supplied Health Check data.
What I'd do next
Three moves. In order.
Your Health Check
$500
The cost comes off month one.
Know where you stand first. If we keep working together, your Health Check fee is credited toward month one.
Book a free intro call*SAMPLE: pricing from the offers dataset. Credit policy from Crucible & Stone's offer.
Next · Chapter 2 of 4
The Monthly Roadmap
Four months later. The leaks are plugged and the member slide has turned. Here's where Ironbound stands in November.
Chapter 2 of 4November · Month four
01 / The bottom line
You have room to breathe. Now protect it.
November is your strongest month in the four-month view. You're 18 members above the line that covers the bills and your paycheck. The model shows $3,816 kept after your pay. The cash cushion is growing, but it's still short of two months. Plan the part-time coach for January, not now.
I / Three numbers
Where you stand.
The numbers worth checking before you make your next move.
*SAMPLE: Ironbound's modeled November 2026 figures. Historical sparkline values come from Aug–Nov KPIs; the exact kept-after-pay model is $3,816.
The money map
The line that matters.
Members above the paycheck line create breathing room.
Members / March – November
How far above the line?
MembersPaycheck lineBreathing room
*SAMPLE: members dataset, March–November 2026. Gold shaded area = members above the paycheck line.
II / Two decisions
Two calls to make.
Know the trade-off before you commit.
DECISION 02
What should 2027 membership rates be?
Put a $5 or $10 dues increase through the numbers before you tell members anything.
Coming up / December
Same gym. Different dues. A clearer answer.
Use the live tool to see how new rates and member losses affect your pay.
*SAMPLE: coach scenarios use the exact values supplied in the coach dataset; timing is a planning recommendation, not a forecast.
III / One checkpoint
Keep the cushion intact.
Your next 90 days, mapped out.
December / January / February
Cash in the bank
Forecast · next 90 days
*SAMPLE: modeled forecast cash and cushion months; not a guarantee of future cash.
From last month
Moves → results.
What got done. What still needs a decision.
| Move | Status | What changed |
|---|
*SAMPLE: modeled moves and outcomes from the supplied data.
The value so far
What I've been worth.
Found money compared with what you've paid.
Returned for every $1 paid
$2.72
For every dollar paid to Crucible & Stone, the sample gym has identified $2.72 in value.
Found value is not the same as cash collected. See the itemized work.
The itemized record
| Item | Amount |
|---|
*SAMPLE: $3,530 found ÷ $1,300 paid. Fictional modeled results, not a real client claim.
Next · Chapter 3 of 4
The Real Rate Check
Breathing room is back. Now the bigger question: is Ironbound charging enough?
Chapter 3 of 4November · Is the price right?
Real Rate Check / November model
Every member pays $207. How much stays?
Once you count the bills and your own pay, each member costs $186.70 a month to serve. That leaves $20.30 per member. Here's what it would take to keep more of what you earn.
The real number
What one member leaves behind.
Monthly cost to serve one member / owner's pay included
$186.70 of $207.00
The first $186.70 covers the gym and your paycheck. The rest is what you get to keep.
$20.30kept per member
9.8%kept of each dollar
Follow one membership dollar
Cost. Profit. Target.
*SAMPLE: proportions use the November model; target marker is the price needed to keep 15%.
Four numbers
The math behind the price.
*SAMPLE: figures derived from model using the supplied formulas. The 15% target is the dataset assumption.
The options
Three ways to close the gap.
Extra money per year, assuming fixed costs stay put.
Yearly gain from each choice
Pick a path worth testing.
Yearly gain$28,537 target gap
*SAMPLE: calculations use the explicit three_ways_to_close_gap expressions. The dashed marker is the annual target gap, not a promised outcome.
Real Rate Check
One page. Your real number.
Delivered in 48 hours, then a 20-minute walkthrough. Worth more than the fee, or your money back.
$250 One-time offer
Book a free intro call *SAMPLE: Real Rate Check price and turnaround from offers. Guarantee and walkthrough terms from Crucible & Stone's offer.
Next · Chapter 4 of 4
What if?
Ironbound charges less than its target price. Before changing anything, test it.
Chapter 4 of 4November · Test the decision
Chapter 4 / The decision benchIronbound · November 2026
Put the decision
on the table.
Move one lever. See what happens to your pay, your margin for error, and the line you cannot afford to cross.
Your starting point
$3,816
left after your pay / 18 members above the line
Live planning modelSample · fictional gym
01Set your plan
Adjust the numbersPer member, every month
New average dues $207
−$10Today / $0+$25
Change from today's count
Members on the roster 188
−30Today / 0+30
Fixed cost switch
Adds $1,560 a monthTry a situation
02The readout
Updates as you moveWhat stays in the gym after your pay
$3,816/ month
Change from today
Same as today
Every month's money, splitCosts and pay, then what's left
Money in$38,916
Bills + your pay$35,100
Left$3,816
Yearly difference
$0
Compared with today
Paycheck line
170
Members to cover bills + pay
Breathing room
+18 GOOD
Members above the line
Distance to your paycheck lineMembers
Paycheck lineYour planToday
03The call
Solid ground.
18 members above the paycheck line. You have room to plan your next move.
GOODBreathing room
*SAMPLE: a modeled fictional gym using the supplied Ironbound data and formulas. Fixed costs stay the same as members come and go; switching on the coach adds the model's monthly coach cost. This is a scenario, not a forecast. Your pay is included in every calculation.
End of the sample
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