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  <title>Micro Business Math</title>
  <subtitle>Launch a Real Business for Under $100 — The Math Behind Every Move</subtitle>
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  <id>https://microbusinessmath.com/</id>
  <updated>2026-04-15T00:00:00Z</updated>
  <author>
    <name>J.A. Watte</name>
    <uri>https://jwatte.com</uri>
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  <entry>
    <title>Break-Even Math: When Your Micro Business Actually Starts Making Money</title>
    <link href="https://microbusinessmath.com/articles/break-even-calculator-micro-business/"/>
    <id>https://microbusinessmath.com/articles/break-even-calculator-micro-business/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Calculate your micro business break-even point in minutes. Step-by-step formula with real examples for service, product, and freelance businesses.</summary>
    <category term="Calculators"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>The $20 Agency Model: Full P&amp;L Breakdown</title>
    <link href="https://microbusinessmath.com/articles/20-dollar-agency-model-breakdown/"/>
    <id>https://microbusinessmath.com/articles/20-dollar-agency-model-breakdown/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Complete profit and loss breakdown of the $20 Agency model. See startup costs, monthly expenses, revenue projections, and real margins for a micro agency.</summary>
    <category term="Business Models"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>Resale Business Margins Are Insane (If You Know the Math)</title>
    <link href="https://microbusinessmath.com/articles/resale-business-profit-margins/"/>
    <id>https://microbusinessmath.com/articles/resale-business-profit-margins/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Honest profit margin breakdown for resale businesses including thrift flipping, wholesale arbitrage, and online reselling. Real numbers, not hype.</summary>
    <category term="Business Models"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>The $97 Launch: How to Start Any Business for Less Than a Dinner Out</title>
    <link href="https://microbusinessmath.com/articles/97-dollar-launch-framework/"/>
    <id>https://microbusinessmath.com/articles/97-dollar-launch-framework/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Step-by-step framework for launching a real business for under $97. Covers ideation, validation, MVP launch, and first customer acquisition.</summary>
    <category term="Launch Guides"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>5 Businesses Under $100 That Actually Make Real Money</title>
    <link href="https://microbusinessmath.com/articles/5-businesses-under-100-dollars/"/>
    <id>https://microbusinessmath.com/articles/5-businesses-under-100-dollars/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Five proven businesses you can start for under $100 with real startup costs, monthly P&amp;L projections, and step-by-step launch plans for each one.</summary>
    <category term="Business Ideas"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>How to Price Your First Service (Most People Charge Way Too Little)</title>
    <link href="https://microbusinessmath.com/articles/pricing-your-first-service/"/>
    <id>https://microbusinessmath.com/articles/pricing-your-first-service/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>A step-by-step pricing formula for new service businesses. Cost-plus, value-based, and market-rate methods with real examples under $100 startup.</summary>
    <category term="Launch Frameworks"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>Get Your First Client in 14 Days: The No-Excuses Playbook</title>
    <link href="https://microbusinessmath.com/articles/first-client-in-14-days/"/>
    <id>https://microbusinessmath.com/articles/first-client-in-14-days/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>A day-by-day plan to land your first paying client within two weeks. Outreach scripts, platform strategy, and follow-up sequences that work.</summary>
    <category term="Launch Frameworks"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>5 Businesses You Can Start for $10 (With Real P&amp;L Proof)</title>
    <link href="https://microbusinessmath.com/articles/10-dollar-business-ideas/"/>
    <id>https://microbusinessmath.com/articles/10-dollar-business-ideas/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Five legitimate businesses that cost $10 or less to launch. Real revenue potential, exact startup costs, and step-by-step plans for each.</summary>
    <category term="Launch Frameworks"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>Profit Margins by Micro Business Type: Some Are 10x Better</title>
    <link href="https://microbusinessmath.com/articles/profit-margin-by-business-type/"/>
    <id>https://microbusinessmath.com/articles/profit-margin-by-business-type/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Real profit margin data for 10 micro business types from 20% to 90%. See which low-cost businesses keep the most money after expenses.</summary>
    <category term="P&amp;L Breakdowns"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>The Monthly P&amp;L Template That Keeps Micro Businesses Alive</title>
    <link href="https://microbusinessmath.com/articles/monthly-pl-template-micro/"/>
    <id>https://microbusinessmath.com/articles/monthly-pl-template-micro/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>A simple profit and loss template for businesses under $5K/month revenue. Line-by-line breakdown with real numbers and categories that matter.</summary>
    <category term="P&amp;L Breakdowns"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>Agency vs Freelancer: Which Actually Earns More? (We Did the Math)</title>
    <link href="https://microbusinessmath.com/articles/agency-vs-freelancer-income/"/>
    <id>https://microbusinessmath.com/articles/agency-vs-freelancer-income/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Freelancers trade time for money. Agency owners trade systems for money. Side-by-side income comparison with real P&amp;L data at every stage.</summary>
    <category term="P&amp;L Breakdowns"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>Client Retention Is the Secret Weapon of Profitable Small Businesses</title>
    <link href="https://microbusinessmath.com/articles/client-retention-micro-business/"/>
    <id>https://microbusinessmath.com/articles/client-retention-micro-business/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Retaining one client is 5x cheaper than finding a new one. Practical retention strategies for micro businesses that keep monthly revenue stable.</summary>
    <category term="P&amp;L Breakdowns"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>When to Form an LLC: Wait Too Long and You&#39;re Exposed</title>
    <link href="https://microbusinessmath.com/articles/when-to-form-an-llc/"/>
    <id>https://microbusinessmath.com/articles/when-to-form-an-llc/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Not every side business needs an LLC on day one. Here is the exact revenue threshold, risk level, and timing that makes LLC formation worth it.</summary>
    <category term="Calculators"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>Zero to 14 Revenue Streams on Under $100 (This Is How)</title>
    <link href="https://microbusinessmath.com/articles/from-zero-to-14-revenue-streams/"/>
    <id>https://microbusinessmath.com/articles/from-zero-to-14-revenue-streams/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>How to build multiple revenue streams from a single micro business starting with less than $100. The stacking method with real income examples.</summary>
    <category term="Launch Frameworks"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  <entry>
    <title>These Free Tools Replace $300/Month in Paid Software</title>
    <link href="https://microbusinessmath.com/articles/free-tools-replace-paid-software/"/>
    <id>https://microbusinessmath.com/articles/free-tools-replace-paid-software/</id>
    <updated>2026-04-15T00:00:00Z</updated>
    <summary>Every paid business tool has a free alternative. This list replaces $300+ in monthly software subscriptions with $0 alternatives that work just as well.</summary>
    <category term="Calculators"/>
    <author><name>J.A. Watte</name></author>
  </entry>
  
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