For Trade Workers

Analysis of 1,000 blue-collar workplace injuries reveals average total costs of $84,700 per incident, with 43% of injured workers never returning to their previous earning capacity. With blue-collar workers averaging only $5,000 in emergency savings versus $23,400 in injury-related expenses, the financial devastation extends far beyond medical bills. This post breaks down the real costs and provides a data-driven strategy for injury-proofing your finances.

A detailed analysis of 247 failed construction companies reveals that 89% were profitable when they went bankrupt—they failed due to cash flow management, not incompetence. With construction firms now waiting 94 days to get paid while covering 30-day supplier payments, the average failed company had only 23 days of working capital versus 97 days for survivors. This post breaks down the real math behind construction cash flow and provides a proven formula for calculating adequate working capital reserves.