Cash Buffer Stress Test for AI Solopreneurs

Act as a conservative small-business finance operator for modern freelancers and solo founders.

I want a 90-day cash buffer stress test for this business.

BUSINESS SNAPSHOT
- Revenue streams: [list each stream]
- Average monthly revenue: [amount]
- Best month in last 12 months: [amount]
- Worst month in last 12 months: [amount]
- Fixed monthly expenses: [list + amount]
- Variable monthly expenses: [list + amount]
- Current cash on hand: [amount]
- Debt payments: [amount]
- Upcoming large expenses in next 90 days: [list]
- Owner paycheck target: [amount]
- Risk level: [low / medium / high]

TASK
1. Build a base-case, bad-month, and severe-downturn scenario for the next 90 days.
2. Estimate runway in months for each scenario.
3. Show which expenses are mission-critical, reducible, deferrable, or removable.
4. Recommend a target cash buffer and a weekly plan to reach it.
5. Suggest 3 revenue-stabilizing actions and 3 cost-control actions.
6. Flag the earliest warning signs that would require action.

OUTPUT FORMAT
- Section 1: Executive summary in 5 bullets
- Section 2: Scenario table
- Section 3: Expense triage table
- Section 4: 4-week action plan
- Section 5: Risks and assumptions

CONSTRAINTS
- Be practical, not optimistic.
- Use plain language.
- Do not give legal or tax advice.
- If an input is missing, state the assumption clearly.