{"product_id":"engagement-program-running-expenses","title":"What Are The Operating Costs Of Employee Engagement Program?","description":"\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"line_top\"\u003e\u003c\/div\u003e\n\u003ch2\u003eEmployee Engagement Program Running Costs\u003c\/h2\u003e\n\u003cp\u003eRunning an Employee Engagement Program requires significant upfront investment in human capital and fixed overhead Expect total monthly running costs to average near $87,000 during the initial year (2026), driven primarily by a $47,083 monthly payroll and $18,500 in fixed operating expenses Your goal is to hit the breakeven point by March 2027, which is 15 months from launch This service model carries high fixed costs, so growth must focus on increasing billable hours per client to cover the $312,000 projected EBITDA loss in Year 1 This guide details the seven critical recurring expenses you must budget for to maintain operations and secure the required $313,000 minimum cash buffer needed by April 2027\n\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\" id=\"main_article_image\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #6067F2;\"\u003e7 Operational Expenses to Run \u003c\/span\u003eEmployee Engagement Program\u003c\/h2\u003e\u003cbr\u003e\n\u003ctable id=\"dwnld_tbl_id\"\u003e\n\u003ctr\u003e\n\u003cth\u003e#\u003c\/th\u003e\n\u003cth\u003eOperating Expense\u003c\/th\u003e\n\u003cth\u003eExpense Category\u003c\/th\u003e\n\u003cth\u003eDescription\u003c\/th\u003e\n\u003cth\u003eMin Monthly Amount\u003c\/th\u003e\n\u003cth\u003eMax Monthly Amount\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e1\u003c\/td\u003e\n\u003ctd\u003eEmployee Payroll\u003c\/td\u003e\n\u003ctd\u003eInternal Wages\u003c\/td\u003e\n\u003ctd\u003eIn 2026, internal wages total $47,083 per month, covering 5 FTEs including a Principal Consultant and Senior Org Psychologist\u003c\/td\u003e\n\u003ctd\u003e$47,083\u003c\/td\u003e\n\u003ctd\u003e$47,083\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e2\u003c\/td\u003e\n\u003ctd\u003ePremium Office Rent\u003c\/td\u003e\n\u003ctd\u003eFixed Overhead\u003c\/td\u003e\n\u003ctd\u003eThe fixed monthly cost for Premium Office Rent is $12,500, representing a major non-negotiable overhead expense\u003c\/td\u003e\n\u003ctd\u003e$12,500\u003c\/td\u003e\n\u003ctd\u003e$12,500\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e3\u003c\/td\u003e\n\u003ctd\u003eContracted Coaches\u003c\/td\u003e\n\u003ctd\u003eVariable Delivery\u003c\/td\u003e\n\u003ctd\u003eThis variable cost is 120% of revenue in 2026, covering specialized external talent needed for program delivery\u003c\/td\u003e\n\u003ctd\u003e$0\u003c\/td\u003e\n\u003ctd\u003e$0\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e4\u003c\/td\u003e\n\u003ctd\u003eAssessment Royalties\u003c\/td\u003e\n\u003ctd\u003eCOGS\u003c\/td\u003e\n\u003ctd\u003eThese royalties are a cost of goods sold (COGS) expense, starting at 45% of revenue in 2026 for necessary diagnostic tools\u003c\/td\u003e\n\u003ctd\u003e$0\u003c\/td\u003e\n\u003ctd\u003e$0\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e5\u003c\/td\u003e\n\u003ctd\u003eClient Travel\/Workshops\u003c\/td\u003e\n\u003ctd\u003eVariable Delivery\u003c\/td\u003e\n\u003ctd\u003eBudget 80% of revenue in 2026 for travel and workshop expenses, a key variable cost tied directly to client delivery\u003c\/td\u003e\n\u003ctd\u003e$0\u003c\/td\u003e\n\u003ctd\u003e$0\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e6\u003c\/td\u003e\n\u003ctd\u003eSoftware SaaS Licenses\u003c\/td\u003e\n\u003ctd\u003eFixed Overhead\u003c\/td\u003e\n\u003ctd\u003eFixed monthly software costs, including CRM and project management tools, total $2,800\u003c\/td\u003e\n\u003ctd\u003e$2,800\u003c\/td\u003e\n\u003ctd\u003e$2,800\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e7\u003c\/td\u003e\n\u003ctd\u003eProfessional Liability Insurance\u003c\/td\u003e\n\u003ctd\u003eFixed Overhead\u003c\/td\u003e\n\u003ctd\u003eMandatory monthly insurance coverage costs $1,200 to mitigate risks associated with high-stakes consulting advice\u003c\/td\u003e\n\u003ctd\u003e$1,200\u003c\/td\u003e\n\u003ctd\u003e$1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e\u003cb\u003eTotal\u003c\/b\u003e\u003c\/td\u003e\n\u003ctd\u003e\u003cb\u003eAll Operating Expenses\u003c\/b\u003e\u003c\/td\u003e\n\u003ctd\u003e\u003cb\u003eAll Operating Expenses\u003c\/b\u003e\u003c\/td\u003e\n\u003ctd\u003e\u003c\/td\u003e\n\u003ctd\u003e\u003cb\u003e$63,583\u003c\/b\u003e\u003c\/td\u003e\n\u003ctd\u003e\u003cb\u003e$63,583\u003c\/b\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cdiv class=\"dwnld_btn_div\"\u003e\u003cbutton id=\"dwnld_btn_id\" class=\"dwnld_btn_clss\"\u003eDownload Table in XLSX\u003c\/button\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat is the total monthly running budget needed for the first 12 months?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eYou need about \u003cstrong\u003e$1.04 million\u003c\/strong\u003e to cover the first year of operations for the Employee Engagement Program, based on the projected $87,000 average monthly burn rate. Honestly, this figure dictates your immediate runway goal before you even start detailing how \u003ca href=\"\/blogs\/write-business-plan\/engagement-program\"\u003eHow To Write An Employee Engagement Program Business Plan?\u003c\/a\u003e. The projection shows a \u003cstrong\u003e$312,000\u003c\/strong\u003e EBITDA loss over those 12 months, meaning the capital required is significantly higher than just covering the operating deficit.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eMonthly Cash Needs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eAverage monthly cash burn is estimated at \u003cstrong\u003e$87,000\u003c\/strong\u003e.\u003c\/li\u003e\n\u003cli\u003eThis implies a total 12-month funding requirement of \u003cstrong\u003e$1,044,000\u003c\/strong\u003e.\u003c\/li\u003e\n\u003cli\u003eThis burn rate sets your immediate fundraising target.\u003c\/li\u003e\n\u003cli\u003eEnsure operational expenses are tracked against this defintely.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eYear 1 Financial Picture\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eProjected Year 1 EBITDA loss totals \u003cstrong\u003e$312,000\u003c\/strong\u003e.\u003c\/li\u003e\n\u003cli\u003eEBITDA loss is earnings before interest, taxes, depreciation, and amortization.\u003c\/li\u003e\n\u003cli\u003eThis loss shows the gap between revenue earned and operating costs.\u003c\/li\u003e\n\u003cli\u003eYou must plan for cash flow positivity before month 12 hits.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhich recurring cost categories will consume the largest share of initial revenue?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eThe Variable Cost of Goods Sold (COGS) is the immediate, overwhelming cost driver for the Employee Engagement Program, consuming \u003cstrong\u003e295% of revenue\u003c\/strong\u003e before considering fixed payroll; this structure means profitability is impossible until the variable component is drastically reduced, regardless of how lean the team is. Before diving into that math, founders often ask about initial setup costs, which you can review in \u003ca href=\"\/blogs\/startup-costs\/engagement-program\"\u003eHow Much To Launch An Employee Engagement Program?\u003c\/a\u003e Honestly, a 295% COGS is a red flag that needs immediate attention, defintely more than the fixed payroll.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eVariable Cost Shock\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCOGS at \u003cstrong\u003e295%\u003c\/strong\u003e means $2.95 cost per $1 earned.\u003c\/li\u003e\n\u003cli\u003eThis signals direct service delivery costs are too high.\u003c\/li\u003e\n\u003cli\u003eYou must re-engineer service packaging now.\u003c\/li\u003e\n\u003cli\u003eTarget a gross margin above \u003cstrong\u003e50%\u003c\/strong\u003e minimum.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003ePayroll Context\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eFixed payroll stands at \u003cstrong\u003e$47,083\/month\u003c\/strong\u003e.\u003c\/li\u003e\n\u003cli\u003eThis is the baseline operating expense floor.\u003c\/li\u003e\n\u003cli\u003eTo cover COGS alone, you need $70,625 revenue.\u003c\/li\u003e\n\u003cli\u003eTotal revenue must exceed \u003cstrong\u003e$117,708\u003c\/strong\u003e monthly to break even.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow much working capital is required to survive until sustained profitability?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eYou need to secure at least \u003cstrong\u003e$313,000\u003c\/strong\u003e in operating cash to bridge the gap until the Employee Engagement Program hits sustained profitability, which projections place around \u003cstrong\u003eApril 2027\u003c\/strong\u003e. Since this is a high-touch B2B consultancy model, understanding the initial capital required for service delivery is crucial; check out \u003ca href=\"\/blogs\/startup-costs\/engagement-program\"\u003eHow Much To Launch An Employee Engagement Program?\u003c\/a\u003e for initial cost breakdowns. Honestly, that cash buffer is defintely non-negotiable for survival.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCash Runway Target\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eThis $313k covers fixed overhead until breakeven.\u003c\/li\u003e\n\u003cli\u003eRevenue growth relies on consistent client billable hours.\u003c\/li\u003e\n\u003cli\u003eIf onboarding takes 14+ days, churn risk rises.\u003c\/li\u003e\n\u003cli\u003eEnsure this capital is fully committed before Q1 2027.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eOperational Focus Areas\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eSales must target competitive sectors like tech and finance.\u003c\/li\u003e\n\u003cli\u003eRevenue is based on hourly consulting rates, not software fees.\u003c\/li\u003e\n\u003cli\u003eHigh-touch service means slower initial scaling velocity.\u003c\/li\u003e\n\u003cli\u003eFocus on reducing time-to-first-invoice aggressively.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat specific expense levers can be pulled if customer acquisition falls below forecast?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eWhen customer acquisition for your consulting services drops below forecast, immediately cut discretionary spending like travel and pause non-essential hiring to protect cash runway, which gives you time to fix the top-of-funnel issues-a critical step detailed in \u003ca href=\"\/blogs\/how-to-open\/engagement-program\"\u003eHow Do I Launch An Employee Engagement Program?\u003c\/a\u003e You defintely need a plan to manage the burn rate until sales normalize.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eControl Client Travel Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eClient travel is a prime discretionary variable cost for consultancies.\u003c\/li\u003e\n\u003cli\u003eIf travel budget is \u003cstrong\u003e$15,000\u003c\/strong\u003e monthly, cutting \u003cstrong\u003e80%\u003c\/strong\u003e saves \u003cstrong\u003e$12,000\u003c\/strong\u003e now.\u003c\/li\u003e\n\u003cli\u003eShift initial discovery meetings to video calls immediately.\u003c\/li\u003e\n\u003cli\u003eOnly approve travel if a signed Letter of Intent (LOI) is pending.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eDelay New Headcount\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003ePausing new hires directly impacts your fixed overhead.\u003c\/li\u003e\n\u003cli\u003eDelaying one Senior Consultant hire saves \u003cstrong\u003e$125,000\u003c\/strong\u003e annually (fully loaded).\u003c\/li\u003e\n\u003cli\u003eThis frees up cash flow instantly, unlike revenue adjustments.\u003c\/li\u003e\n\u003cli\u003eEnsure you still cover essential client delivery demands first.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\n\n\u003cdiv class=\"double_border\"\u003e\n\n\u003cdiv class=\"card_smpl_header\"\u003e\n\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-plus-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\n\n\u003ch3\u003eKey Takeaways\u003c\/h3\u003e\n\n\u003c\/div\u003e\n\n\u003cul class=\"lst_crct_blog\"\u003e\n\n\u003cli\u003eThe initial operational burn rate averages approximately $87,000 per month, necessitating a 15-month runway to achieve profitability by March 2027.\u003c\/li\u003e\n\n\u003cli\u003eEmployee payroll is the dominant fixed expense, consuming over 54% of the initial monthly budget at $47,083.\u003c\/li\u003e\n\n\u003cli\u003eTo survive the projected $312,000 Year 1 EBITDA loss, a minimum cash buffer of $313,000 is required to sustain operations until profitability.\u003c\/li\u003e\n\n\u003cli\u003eVariable costs, particularly contracted specialist coaches (120% of revenue) and client travel (80% of revenue), represent major scaling risks that must be managed alongside fixed overhead.\u003c\/li\u003e\n\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 1\n: \u003cspan style=\"color: #126CFF;\"\u003eEmployee Payroll\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003e2026 Payroll Baseline\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eYour 2026 internal payroll commitment hits \u003cstrong\u003e$47,083 monthly\u003c\/strong\u003e for five full-time employees. This fixed overhead covers essential roles like the Principal Consultant and Senior Org Psychologist needed to deliver high-touch client work. Managing this core cost is defintely key to profitability since it doesn't scale with immediate revenue changes.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eFTE Cost Structure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis \u003cstrong\u003e$47,083\u003c\/strong\u003e monthly spend covers five specialized staff, including a Principal Consultant and a Senior Org Psychologist. These wages are fixed overhead, meaning they must be paid regardless of client volume that month. For context, this is a major baseline expense that needs consistent revenue coverage to stay afloat.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eInputs: 5 FTE salaries plus benefits.\u003c\/li\u003e\n\u003cli\u003eYear: Projection for \u003cstrong\u003e2026\u003c\/strong\u003e.\u003c\/li\u003e\n\u003cli\u003eCost Type: Primarily \u003cstrong\u003efixed overhead\u003c\/strong\u003e.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eManaging Fixed Staff Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eBecause these are specialized, high-value roles, cutting salary isn't smart; focus instead on utilization rates. Ensure the Principal Consultant bills at least \u003cstrong\u003e80%\u003c\/strong\u003e of available hours to justify the cost. Avoid hiring the sixth FTE until utilization on the first five is maxed out.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eWatch utilization rate closely.\u003c\/li\u003e\n\u003cli\u003eAvoid premature hiring; delay FTEs.\u003c\/li\u003e\n\u003cli\u003eEnsure salary covers market rate for talent.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eUtilization Lever\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eHigh-touch consulting relies on expert time, so the margin between the internal wage rate and the client billable rate dictates profitability. If the Senior Org Psychologist bills at 3x salary, you have a healthy gross margin on their time; if not, that \u003cstrong\u003e$47k\u003c\/strong\u003e burns fast.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 2\n: \u003cspan style=\"color: #126CFF;\"\u003ePremium Office Rent\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eRent Overhead\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eYour premium office rent is a fixed $12,500 monthly expense that you must cover before paying staff or variable delivery costs. This cost is non-negotiable once the lease is signed, creating immediate pressure on your initial revenue targets. It sets a high floor for your monthly burn rate.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCost Inputs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis $12,500 covers the physical space required for high-touch consulting delivery and client workshops. It sits alongside your $47,083 monthly payroll as core fixed overhead. You need quotes for a multi-year term to lock this number in for your initial budget runway planning.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eFixed monthly cost: $12,500.\u003c\/li\u003e\n\u003cli\u003eCompare to $2,800 software cost.\u003c\/li\u003e\n\u003cli\u003eRequires multi-year commitment.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eManaging Rent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eSince this is a major fixed cost, management means securing favorable lease terms upfront, like a tenant improvement allowance. A common mistake is signing for too much space too soon. If you can operate with hybrid models, consider starting with a smaller footprint to save money.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eNegotiate term length first.\u003c\/li\u003e\n\u003cli\u003eAvoid paying for unused desks.\u003c\/li\u003e\n\u003cli\u003eEnsure space supports client meetings.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eImpact on Break-Even\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eWith delivery costs so high-contracted coaches at 120% of revenue and travel at 80%-that $12,500 rent adds serious weight to your break-even calculation. You need high revenue density just to cover fixed costs before variable service expenses even begin to scale profitably. That's a defintely tight spot for a new consultancy.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 3\n: \u003cspan style=\"color: #126CFF;\"\u003eContracted Specialist Coaches\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCoach Cost Crisis\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eYour reliance on contracted specialist coaches is the single biggest threat to profitability right now. In 2026 projections, this cost hits \u003cstrong\u003e120% of revenue\u003c\/strong\u003e. This means for every dollar you bill clients for engagement programs, you spend $1.20 just paying the external talent delivering the work. It's an immediate, model-breaking issue.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eExternal Talent Spend\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis variable expense covers the specialized external talent needed when internal staff can't cover niche delivery, like organizational psychology or specific leadership training. To calculate this, you must know your 2026 revenue goal. If revenue hits $1 million, this cost is \u003cstrong\u003e$1.2 million\u003c\/strong\u003e. That's a huge gap to close.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eNeed firm 2026 revenue target.\u003c\/li\u003e\n\u003cli\u003eTrack specialist hourly rates closely.\u003c\/li\u003e\n\u003cli\u003eMap required expertise to delivery load.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eFixing the Ratio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eYou can't sustain a cost that exceeds revenue. The immediate fix is aggressive pricing or drastically reducing scope that requires external help. If you can convert just \u003cstrong\u003e20%\u003c\/strong\u003e of that external work to internal payroll, savings start appearing. Don't wait for the 2026 projection to hit.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eIncrease service pricing by 25%.\u003c\/li\u003e\n\u003cli\u003eHire one FTE specialist internally.\u003c\/li\u003e\n\u003cli\u003eNegotiate bulk rate contracts now.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eImmediate Red Flag\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis \u003cstrong\u003e120%\u003c\/strong\u003e coach cost dwarfs all other variable expenses combined, including the 45% Assessment Platform Royalties and 80% Client Travel. If revenue is $X, your gross profit margin is negative 20% just from this one line item. You need to defintely rethink service packaging.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 4\n: \u003cspan style=\"color: #126CFF;\"\u003eAssessment Platform Royalties\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eRoyalty Hit Rate\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eRoyalties for necessary diagnostic tools are a direct Cost of Goods Sold (COGS), meaning costs directly tied to service delivery, which scale with every dollar earned. Expect these platform fees to consume \u003cstrong\u003e45% of revenue\u003c\/strong\u003e starting in 2026, which immediately pressures your gross margin.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCost Inputs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThese royalties cover access to proprietary assessment platforms essential for your consulting delivery. Since this is a COGS expense, you must track it against gross revenue. The key input is the \u003cstrong\u003e45% rate\u003c\/strong\u003e applied to total client billing for services requiring these specific diagnostics in 2026.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eDefending Margin\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eFighting a fixed 45% royalty means you must aggressively price services that mandate using these tools. Negotiate volume tiers with the platform provider if possible, or explore building proprietary, cheaper alternatives over time. Defintely avoid absorbing this cost without corresponding price increases.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCompounding Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eBecause this royalty is COGS, it compounds the effect of your other variable costs, like contracted coaches at \u003cstrong\u003e120% of revenue\u003c\/strong\u003e and travel at \u003cstrong\u003e80% of revenue\u003c\/strong\u003e. If diagnostics cost 45%, your true gross margin is severely constrained before you even cover fixed payroll of $47,083 per month.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 5\n: \u003cspan style=\"color: #126CFF;\"\u003eClient Travel and Workshops\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eTravel Budget Rule\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eYour biggest variable cost in 2026 is client delivery, requiring you to budget \u003cstrong\u003e80% of revenue\u003c\/strong\u003e for travel and workshops. This high allocation means your pricing model must aggressively absorb these costs, or you'll never cover the \u003cstrong\u003e$63,583\u003c\/strong\u003e in monthly fixed overhead.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eVariable Delivery Load\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis 80% covers all onsite consulting costs: flights, hotels, and workshop supplies needed to implement custom programs. It's a direct cost of service, unlike the \u003cstrong\u003e45% royalties\u003c\/strong\u003e paid for diagnostic tools. If projected 2026 revenue is \u003cstrong\u003e$5 Million\u003c\/strong\u003e, you need \u003cstrong\u003e$4 Million\u003c\/strong\u003e reserved just for getting your team to the client site.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eInput: Client location density matters most.\u003c\/li\u003e\n\u003cli\u003eInput: Average duration of onsite work.\u003c\/li\u003e\n\u003cli\u003eContext: Specialized coaches cost \u003cstrong\u003e120%\u003c\/strong\u003e of revenue.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eTaming Travel Spend\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eSince this expense is tied directly to service delivery, cutting it means reducing service quality or scope, which defeats the high-touch model. Focus on maximizing consultant utilization during trips by bundling site visits. Book travel \u003cstrong\u003e60+ days\u003c\/strong\u003e out for better rates, defintely.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eBundle site visits geographically when possible.\u003c\/li\u003e\n\u003cli\u003eNegotiate corporate travel discounts early on.\u003c\/li\u003e\n\u003cli\u003eUse regional hubs instead of flying everyone from HQ.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eProfitability Check\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eWith \u003cstrong\u003e80%\u003c\/strong\u003e in travel and \u003cstrong\u003e45%\u003c\/strong\u003e in platform royalties, your variable costs already exceed 100% of revenue before factoring in the \u003cstrong\u003e120%\u003c\/strong\u003e for contracted coaches. You must price services to cover at least \u003cstrong\u003e245%\u003c\/strong\u003e of revenue just for the variable components shown here, plus all fixed costs.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 6\n: \u003cspan style=\"color: #126CFF;\"\u003eSoftware SaaS Licenses\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eFixed Software Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eYour essential software stack, covering CRM and project management, locks in a fixed overhead of \u003cstrong\u003e$2,800\u003c\/strong\u003e monthly. This cost is non-negotiable for tracking leads and managing client engagements efficiently. It represents about \u003cstrong\u003e0.6%\u003c\/strong\u003e of the projected 2026 payroll expense, but must be covered before any revenue hits.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCost Breakdown\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis \u003cstrong\u003e$2,800\u003c\/strong\u003e covers core operational software required to run client work. You need quotes for your CRM (Customer Relationship Management) and your project management system. This fixed cost sits alongside \u003cstrong\u003e$12,500\u003c\/strong\u003e in rent and \u003cstrong\u003e$47,083\u003c\/strong\u003e in monthly payroll, forming the baseline overhead you must clear.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCRM for pipeline tracking.\u003c\/li\u003e\n\u003cli\u003ePM tools for delivery.\u003c\/li\u003e\n\u003cli\u003eFixed monthly commitment.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eLicense Control\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eAvoid over-provisioning licenses early on; only pay for what active employees use. Many platforms offer startup tiers initially. If you scale to \u003cstrong\u003e10\u003c\/strong\u003e consultants, ensure you aren't paying for \u003cstrong\u003e20\u003c\/strong\u003e seats defintely. A common mistake is paying for unused seats after projects end.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eAudit seats quarterly.\u003c\/li\u003e\n\u003cli\u003eDowngrade unused tiers.\u003c\/li\u003e\n\u003cli\u003eNegotiate annual billing discounts.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eFixed Overhead Impact\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eBecause this \u003cstrong\u003e$2,800\u003c\/strong\u003e is fixed, it directly impacts your break-even point, regardless of client volume. If you land one client paying $10,000, this software cost is a higher percentage of that revenue than if you land five clients. You need high utilization to absorb this overhead efficiently.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch2\u003eRunning Cost 7\n: \u003cspan style=\"color: #126CFF;\"\u003eProfessional Liability Insurance\n\u003c\/span\u003e\n\u003c\/h2\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eInsurance Fixed Cost\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis mandatory coverage costs \u003cstrong\u003e$1,200 monthly\u003c\/strong\u003e to protect against claims from high-stakes consulting advice. It's a fixed overhead necessary for operating legally when advising clients on sensitive organizational strategy.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCoverage Specifics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis policy covers professional liability, specifically errors or omissions in the custom strategy delivered to clients. The input needed is the fixed \u003cstrong\u003e$1,200 monthly premium\u003c\/strong\u003e. It sits alongside other fixed overheads like rent and payroll, not scaling with revenue like specialist coach fees. The estimate is defintely fixed for 2026.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eManaging Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eSince this cost is mandatory for high-stakes advice, optimization centers on policy structure, not cutting coverage. Review deductibles annually against potential claim size. Avoid bundling unrelated risks into one policy to keep the base premium manageable.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-20-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eImpact on Break-Even\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cp\u003eIf revenue generation lags, this \u003cstrong\u003e$1,200\u003c\/strong\u003e fixed cost represents a higher hurdle rate for profitability. Ensure client contracts clearly define scope to limit exposure that might trigger premium increases next year.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49303659938035,"sku":"engagement-program-running-expenses","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/engagement-program-running-expenses.webp?v=1782681915","url":"https:\/\/financialmodelslab.com\/products\/engagement-program-running-expenses","provider":"Financial Models Lab","version":"1.0","type":"link"}