How this one is meant to be worked through, in the author's own words:

1. Read the Introduction and Chapters 4 to 7 first, in order. Those are the four rules, and everything after them assumes them.
2. If you already do this work, add up what you are personally owed right now across every client, including your own unpaid fees. Write the number down. That is the number this book is about.
3. Never let your own money fund a client's purchase. A float is an unsecured, undocumented, unpriced loan to a counterparty you have not assessed, made repeatedly to a client group whose circumstances change suddenly. Chapter 4.
4. Move every client as far up the funding ranking as possible: an account at the supplier, then direct payment by the client, then a prepaid balance held separately. Chapter 18.
5. Never hold a client's PIN, password, or online banking access, and never use a client's card at a cash machine. There is no version of these that is acceptable, whatever the client asks. Section 18.7.
6. Convert every verbal instruction into a written confirmation you send, before you act. Forty seconds, every time. Section 17.4.
7. Photograph the receipt at the till, not at the end of the day. Four seconds, and it is the single highest-return habit in the book. Section 23.2.
8. Never one receipt covering two clients, and never your own shopping on a client's transaction. Both are unallocatable and both are the first thing a reviewer finds. Section 23.2.

Written to be used rather than skimmed. Every financial figure is left blank on purpose, and anything touching law, tax, insurance or data protection is written as questions for a qualified professional rather than answers.

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