{"product_id":"health-coaching-owner-makes","title":"How Much Health Coaching Business Owners Make: $120K Pay And 9-Month Breakeven","description":"\u003cbr\u003e\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\u003cp\u003eYou’re estimating owner income from a US health coaching business, not an employee wage This model covers \u003cstrong\u003e5 years\u003c\/strong\u003e, a \u003cstrong\u003e$120,000 CEO \/ Lead Coach salary\u003c\/strong\u003e, revenue, expenses, EBITDA, reserves, and owner take-home before taxes\u003c\/p\u003e\n\n\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\u003csection class=\"fml-owner-metric-cards\" aria-label=\"Health coaching\"\u003e\u003cdiv class=\"metric-grid\"\u003e\n\u003carticle class=\"metric-card is-green\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Year 1 CEO pay from the model; before taxes and excludes debt service, personal living costs, and required cash reserves.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-owner-income.svg\" alt=\"Owner income icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eOwner income\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Year 1 CEO pay from the model; before taxes and excludes debt service, personal living costs, and required cash reserves.\"\u003e$120k\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"EBITDA margin proxy from model years 1-2; revenue is implied from costs, and it excludes taxes, interest, capex, and owner pay.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-net-margin.svg\" alt=\"Net margin icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eNet margin\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"EBITDA margin proxy from model years 1-2; revenue is implied from costs, and it excludes taxes, interest, capex, and owner pay.\"\u003e-7% to 26%\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Annual revenue needed to support $120k owner pay using 85% gross margin and $5,250 monthly overhead; excludes taxes and extra payroll.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-revenue-target.svg\" alt=\"Revenue for target pay icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eRevenue for target pay\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Annual revenue needed to support $120k owner pay using 85% gross margin and $5,250 monthly overhead; excludes taxes and extra payroll.\"\u003e$215k\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Hard: Year 1 EBITDA is -$20k, minimum cash is $799k, and payback is 26 months; early cash risk is high.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-business-difficulty.svg\" alt=\"Business difficulty icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eBusiness difficulty\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Hard: Year 1 EBITDA is -$20k, minimum cash is $799k, and payback is 26 months; early cash risk is high.\"\u003eHard\u003c\/strong\u003e\u003c\/article\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWant to test your health coaching owner pay?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-owner-calculator\" aria-label=\"Sample Business Owner Income Calculator\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Sample Business Owner Income Calculator.xlsx\" data-source-site-name=\"Financial Models Lab\" data-source-site-url=\"https:\/\/financialmodelslab.com\" data-source-page-title=\"Sample Business Owner Income Calculator\" data-note-title=\"Planning note:\" data-note-text=\"Research-based planning estimate only. Actual owner income can change with mix, staffing, taxes, financing, and reinvestment. This is not guaranteed salary, tax advice, or owner distribution advice.\"\u003e\u003cdiv class=\"fml-owner-card\"\u003e\n\u003cheader class=\"fml-owner-header\"\u003e\u003cdiv class=\"fml-owner-heading\"\u003e\n\u003cp class=\"fml-owner-eyebrow\"\u003eOwner income calculator\u003c\/p\u003e\n\u003cp class=\"fml-owner-intro\"\u003eEstimate owner take-home and target-pay gap from revenue, margin, costs, reserves, and target pay.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-scenarios\" aria-label=\"Income scenario presets\"\u003e\n\u003cbutton class=\"fml-owner-scenario\" type=\"button\" data-scenario=\"low\"\u003eLow\u003c\/button\u003e\u003cbutton class=\"fml-owner-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-owner-scenario\" type=\"button\" data-scenario=\"high\"\u003eHigh\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-owner-layout\"\u003e\n\u003cform class=\"fml-owner-inputs\"\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eMonthly revenue\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly sales before expenses. Use the average operating month, not a peak month.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly sales before expenses. Use the average operating month, not a peak month.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"monthlyRevenue\" data-owner-kind=\"money\" data-owner-label=\"Monthly revenue\" data-owner-note=\"Monthly sales before expenses. Use the average operating month, not a peak month.\" data-low=\"25000\" data-base=\"50000\" data-high=\"90000\" name=\"monthlyRevenue\" type=\"text\" inputmode=\"numeric\" value=\"50,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eGross margin\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent of revenue left after direct coach and partner costs.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent of revenue left after direct coach and partner costs.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"grossMargin\" data-owner-kind=\"percent\" data-owner-label=\"Gross margin\" data-owner-note=\"Percent of revenue left after direct coach and partner costs.\" name=\"grossMargin\" type=\"range\" min=\"0\" max=\"100\" step=\"1\" data-low=\"82\" data-base=\"85\" data-high=\"88\" value=\"85\"\u003e\u003coutput\u003e85%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eLabor cost\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly payroll, contractors, benefits, and staffing coverage before owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly payroll, contractors, benefits, and staffing coverage before owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"laborCost\" data-owner-kind=\"money\" data-owner-label=\"Labor cost\" data-owner-note=\"Monthly payroll, contractors, benefits, and staffing coverage before owner pay.\" data-low=\"8000\" data-base=\"15000\" data-high=\"25000\" name=\"laborCost\" type=\"text\" inputmode=\"numeric\" value=\"15,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eFixed overhead\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Rent, software, insurance, admin, and recurring overhead. The model sums to 5,250 per month.\"\u003ei\u003cspan role=\"tooltip\"\u003eRent, software, insurance, admin, and recurring overhead. The model sums to 5,250 per month.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"fixedOverhead\" data-owner-kind=\"money\" data-owner-label=\"Fixed overhead\" data-owner-note=\"Rent, software, insurance, admin, and recurring overhead. The model sums to 5,250 per month.\" data-low=\"5250\" data-base=\"5250\" data-high=\"5250\" name=\"fixedOverhead\" type=\"text\" inputmode=\"numeric\" value=\"5,250\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eMarketing\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly ad and content spend. The plan runs from 25,000 a year in Year 1 to 180,000 in Year 5.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly ad and content spend. The plan runs from 25,000 a year in Year 1 to 180,000 in Year 5.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"marketing\" data-owner-kind=\"money\" data-owner-label=\"Marketing\" data-owner-note=\"Monthly ad and content spend. The plan runs from 25,000 a year in Year 1 to 180,000 in Year 5.\" data-low=\"2083\" data-base=\"6667\" data-high=\"15000\" name=\"marketing\" type=\"text\" inputmode=\"numeric\" value=\"6,667\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eDebt service\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly loan or financing payments. No debt is shown in the model, so zero is a clean base case.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly loan or financing payments. No debt is shown in the model, so zero is a clean base case.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"debtService\" data-owner-kind=\"money\" data-owner-label=\"Debt service\" data-owner-note=\"Monthly loan or financing payments. No debt is shown in the model, so zero is a clean base case.\" data-low=\"0\" data-base=\"0\" data-high=\"0\" name=\"debtService\" type=\"text\" inputmode=\"numeric\" value=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eTax reserve\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent of profit held for taxes before owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent of profit held for taxes before owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"taxReserve\" data-owner-kind=\"percent\" data-owner-label=\"Tax reserve\" data-owner-note=\"Percent of profit held for taxes before owner pay.\" name=\"taxReserve\" type=\"range\" min=\"0\" max=\"45\" step=\"1\" data-low=\"18\" data-base=\"22\" data-high=\"25\" value=\"22\"\u003e\u003coutput\u003e22%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eReinvestment reserve\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent kept in the business for growth, tools, and cash buffer.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent kept in the business for growth, tools, and cash buffer.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"reinvestmentReserve\" data-owner-kind=\"percent\" data-owner-label=\"Reinvestment reserve\" data-owner-note=\"Percent kept in the business for growth, tools, and cash buffer.\" name=\"reinvestmentReserve\" type=\"range\" min=\"0\" max=\"35\" step=\"1\" data-low=\"5\" data-base=\"8\" data-high=\"10\" value=\"8\"\u003e\u003coutput\u003e8%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eTarget owner pay\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly owner income target used to calculate the gap to owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly owner income target used to calculate the gap to owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"targetOwnerPay\" data-owner-kind=\"money\" data-owner-label=\"Target owner pay\" data-owner-note=\"Monthly owner income target used to calculate the gap to owner pay.\" data-low=\"5000\" data-base=\"8000\" data-high=\"12000\" name=\"targetOwnerPay\" type=\"text\" inputmode=\"numeric\" value=\"8,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\n\u003caside class=\"fml-owner-results\" aria-live=\"polite\"\u003e\u003cspan class=\"fml-owner-tag\"\u003eOwner income output\u003c\/span\u003e\u003cdiv class=\"fml-owner-metrics\"\u003e\n\u003cdiv class=\"fml-owner-metric is-primary\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eOwner Income\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly take-home after tax and reinvestment reserves.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly take-home after tax and reinvestment reserves.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"monthlyOwnerIncome\"\u003e$10,908\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eNet Margin\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Owner income divided by monthly revenue.\"\u003ei\u003cspan role=\"tooltip\"\u003eOwner income divided by monthly revenue.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"netProfitMargin\"\u003e22%\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eRevenue for Target Pay\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly revenue needed to support the target owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly revenue needed to support the target owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"revenueNeeded\"\u003e$45,112\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric is-target-gap is-positive\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eTarget Pay Gap\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Owner income minus target owner pay. Negative means the target pay is not covered.\"\u003ei\u003cspan role=\"tooltip\"\u003eOwner income minus target owner pay. Negative means the target pay is not covered.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"targetPayGap\"\u003e$2,908\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdl class=\"fml-owner-result-list\"\u003e\n\u003cdiv\u003e\n\u003cdt\u003eAnnual owner income\u003c\/dt\u003e\n\u003cdd data-owner-output=\"annualOwnerIncome\"\u003e$130,896\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eProfit before reserves\u003c\/dt\u003e\n\u003cdd data-owner-output=\"profitBeforeReserves\"\u003e$15,583\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eTax + reinvestment reserve\u003c\/dt\u003e\n\u003cdd data-owner-output=\"reserveAmount\"\u003e$4,675\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eTarget pay gap\u003c\/dt\u003e\n\u003cdd data-owner-output=\"cashAfterTargetPay\"\u003e$2,908\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003c\/dl\u003e\n\u003cdiv class=\"fml-owner-bridge\"\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"revenue\"\u003e\n\u003cspan\u003eRevenue\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 100%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$50,000\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"grossProfit\"\u003e\n\u003cspan\u003eGross profit\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 85%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$42,500\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"operatingCosts\"\u003e\n\u003cspan\u003eOperating costs\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 54%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$26,917\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"reserveAmount\"\u003e\n\u003cspan\u003eReserves\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 9%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$4,675\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"ownerIncome\"\u003e\n\u003cspan\u003eOwner income\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 22%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$10,908\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-owner-export\" type=\"button\" data-owner-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/aside\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-note\"\u003e\n\u003cspan class=\"fml-owner-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Research-based planning estimate only. Actual owner income can change with mix, staffing, taxes, financing, and reinvestment. This is not guaranteed salary, tax advice, or owner distribution advice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003cdiv class=\"container_new_design_blog\"\u003e\n\n\u003cdiv class=\"text-section_blog text-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"line_top_blog\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eWant to see the Health Coaching model?\u003c\/span\u003e\u003c\/h3\u003e\n\n\u003cp\u003eThe \u003cstrong\u003eHealth Coaching\u003c\/strong\u003e model shows dashboard, assumptions, revenue forecast, profit projection, owner income outputs, and scenario charts; it tests client acquisition, pricing packages, billable hours, CAC, marketing budget, contractor costs, payroll, fixed expenses, capex, and reserves. Open the \u003ca href=\"\/products\/health-coaching-financial-model\"\u003eHealth Coaching Financial Model Template\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003ch4\u003eOwner-income model highlights\u003c\/h4\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eMonth 9 breakeven\u003c\/li\u003e\n\u003cli\u003eMonth 16 minimum cash point\u003c\/li\u003e\n\u003cli\u003e$799k minimum cash need\u003c\/li\u003e\n\u003cli\u003e26-month payback\u003c\/li\u003e\n\u003cli\u003eYear 5 EBITDA $5,271M\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003cdiv class=\"image-section_blog image-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"preview-card\" data-preview-src=\"\/cdn\/shop\/files\/health-coaching-financial-model-dashboard-financialmodelslab_7df07c45-ccfa-4779-8d97-8d8347830ecb.webp\"\u003e\n\u003cimg class=\"preview-img\" width=\"100%\" height=\"auto\" src=\"\/cdn\/shop\/files\/health-coaching-financial-model-dashboard-financialmodelslab_7df07c45-ccfa-4779-8d97-8d8347830ecb.webp?width=500\" alt=\"Health Coaching Financial Model dashboard summarizing key KPIs, runway\/cash and performance with a dynamic dashboard, investor-ready charts and clear cash-flow visibility to avoid blind spots\"\u003e\n\u003cdiv class=\"preview-overlay\"\u003e\n\u003cbutton class=\"preview-btn\" type=\"button\" style=\"align-items: center; vertical-align: middle; display: inline-flex; justify-content: center; gap: 6px; line-height: 1;\"\u003e\nPREVIEW \u003csvg fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\" role=\"presentation\" viewbox=\"0 0 448 512\" width=\"14\"\u003e\u003cpath d=\"M416 176V86.63L246.6 256L416 425.4V336c0-8.844 7.156-16 16-16s16 7.156 16 16v128c0 8.844-7.156 16-16 16h-128c-8.844 0-16-7.156-16-16s7.156-16 16-16h89.38L224 278.6L54.63 448H144C152.8 448 160 455.2 160 464S152.8 480 144 480h-128C7.156 480 0 472.8 0 464v-128C0 327.2 7.156 320 16 320S32 327.2 32 336v89.38L201.4 256L32 86.63V176C32 184.8 24.84 192 16 192S0 184.8 0 176v-128C0 39.16 7.156 32 16 32h128C152.8 32 160 39.16 160 48S152.8 64 144 64H54.63L224 233.4L393.4 64H304C295.2 64 288 56.84 288 48S295.2 32 304 32h128C440.8 32 448 39.16 448 48v128C448 184.8 440.8 192 432 192S416 184.8 416 176z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow much revenue does a health coach need to make?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eIf you’re running \u003cstrong\u003eHealth Coaching\u003c\/strong\u003e, don’t tie revenue to owner pay. With \u003cstrong\u003e29%\u003c\/strong\u003e of Year 1 revenue going to contractor, partner, ad, and software costs, each \u003cstrong\u003e$1\u003c\/strong\u003e leaves about \u003cstrong\u003e$0.71\u003c\/strong\u003e before fixed costs and payroll, so covering \u003cstrong\u003e$63,000\u003c\/strong\u003e in overhead plus a \u003cstrong\u003e$120,000\u003c\/strong\u003e CEO salary takes about \u003cstrong\u003e$258,000\u003c\/strong\u003e in annual revenue, or roughly \u003cstrong\u003e$21,500\u003c\/strong\u003e a month. \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-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eRevenue math\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e29%\u003c\/strong\u003e variable costs in Year 1\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$0.71\u003c\/strong\u003e left per $1 sold\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$63,000\u003c\/strong\u003e annual fixed overhead\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$120,000\u003c\/strong\u003e CEO salary target\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-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat changes the target\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eOther hiring raises the bar\u003c\/li\u003e\n\u003cli\u003eReserves and capex add cash needs\u003c\/li\u003e\n\u003cli\u003eGroup revenue can lift capacity\u003c\/li\u003e\n\u003cli\u003eSales systems must scale with growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow much can a solo health coach make?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eA solo Health Coaching owner can gross about \u003cstrong\u003e$124,800\/year\u003c\/strong\u003e before expenses at \u003cstrong\u003e20 billable hours\/week\u003c\/strong\u003e and \u003cstrong\u003e$120\/hour\u003c\/strong\u003e. Track retention and touchpoints with \u003ca href=\"\/blogs\/kpi-metrics\/health-coaching\"\u003eHow Is The Progress Of Client Engagement For Your Health Coaching Business?\u003c\/a\u003e, because capacity gets capped by sessions, admin, sales calls, onboarding, and follow-ups.\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-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eIncome math\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$75\/hour\u003c\/strong\u003e Basic Coaching floor\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$200\/hour\u003c\/strong\u003e Elite Coaching ceiling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e20 × $120 × 52\u003c\/strong\u003e = $124,800\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$5,250\/month\u003c\/strong\u003e fixed overhead\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-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCapacity levers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eSell packages, not loose hours\u003c\/li\u003e\n\u003cli\u003eSet firm session boundaries\u003c\/li\u003e\n\u003cli\u003eReduce admin with repeat clients\u003c\/li\u003e\n\u003cli\u003eBudget \u003cstrong\u003e$25,000\u003c\/strong\u003e Year 1 marketing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat health coaching profit margin should owners expect?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eHealth Coaching owners should expect \u003cstrong\u003emargin pressure at first\u003c\/strong\u003e, then better economics as delivery costs fall. For startup cost context, see \u003ca href=\"\/blogs\/startup-costs\/health-coaching\"\u003eHow Much Does It Cost To Open, Start, Launch Your Health Coaching Business?\u003c\/a\u003e The key is simple: variable costs drop from \u003cstrong\u003e29%\u003c\/strong\u003e of revenue in Year 1 to \u003cstrong\u003e18%\u003c\/strong\u003e in Year 5, but fixed overhead still runs \u003cstrong\u003e$5,250\/month\u003c\/strong\u003e and payroll rises from \u003cstrong\u003e$155,000\u003c\/strong\u003e to \u003cstrong\u003e$595,000\u003c\/strong\u003e.\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-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eVariable cost mix\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e12%\u003c\/strong\u003e contractor pay in Year 1\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e8%\u003c\/strong\u003e contractor pay in Year 5\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e3%\u003c\/strong\u003e partner fees in Year 1\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e2%\u003c\/strong\u003e partner fees in Year 5\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-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eFixed cost pressure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$5,250\/month\u003c\/strong\u003e fixed overhead\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e10%\u003c\/strong\u003e ads and content in Year 1\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e6%\u003c\/strong\u003e ads and content in Year 5\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e4%\u003c\/strong\u003e software in Year 1, \u003cstrong\u003e2%\u003c\/strong\u003e in Year 5\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat drives health coaching owner income most?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-main-income-drivers\" aria-label=\"Main income drivers for health coaching.\"\u003e\u003carticle class=\"driver-option is-cards\"\u003e\u003cdiv class=\"main-driver-grid\"\u003e\n\u003carticle class=\"main-driver-card is-primary\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e1\u003c\/span\u003e\u003ch4\u003ePricing Mix\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$75-$240\u003c\/strong\u003e\u003cp\u003eA bigger share of premium and elite hours lifts revenue per client hour, and the $75 to $240 rate spread makes that mix shift matter fast.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e2\u003c\/span\u003e\u003ch4\u003eActive Capacity\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003eHigh\u003c\/strong\u003e\u003cp\u003eMore billable hours raise revenue without adding much fixed cost, so coach utilization is a direct take-home lever.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e3\u003c\/span\u003e\u003ch4\u003eClient CAC\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$150 to $90\u003c\/strong\u003e\u003cp\u003eCAC falling from $150 to $90 keeps paid growth efficient as marketing spend rises from $25K to $180K.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e4\u003c\/span\u003e\u003ch4\u003eRenewals\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003eHigh\u003c\/strong\u003e\u003cp\u003eRenewals and upsells protect recurring revenue, which matters most once onboarding costs are sunk.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e5\u003c\/span\u003e\u003ch4\u003eTeam Leverage\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$155K-$595K\u003c\/strong\u003e\u003cp\u003ePayroll grows from $155K to $595K, so each added salaried role must create more billable hours than it costs.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e6\u003c\/span\u003e\u003ch4\u003eFixed Overhead\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$5.25K\/mo\u003c\/strong\u003e\u003cp\u003eFixed overhead sits near $5,250 a month, and Month 9 breakeven means small cost overruns can delay owner cash.\u003c\/p\u003e\u003c\/article\u003e\n\u003c\/div\u003e\u003c\/article\u003e\u003c\/section\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHealth Coaching Core Six Income Drivers\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003ePricing And Package Structure\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"left-row1\"\u003e\n\u003ch3\u003ePackage Price Lift\u003c\/h3\u003e\n\u003cp\u003ePricing changes revenue per client before you add more coaching hours. In \u003cstrong\u003eYear 1\u003c\/strong\u003e, rates are \u003cstrong\u003e$75 Basic\u003c\/strong\u003e, \u003cstrong\u003e$120 Premium\u003c\/strong\u003e, \u003cstrong\u003e$200 Elite\u003c\/strong\u003e, and \u003cstrong\u003e$90 Corporate Wellness\u003c\/strong\u003e; by \u003cstrong\u003eYear 5\u003c\/strong\u003e, they rise to \u003cstrong\u003e$85\u003c\/strong\u003e, \u003cstrong\u003e$140\u003c\/strong\u003e, \u003cstrong\u003e$240\u003c\/strong\u003e, and \u003cstrong\u003e$110\u003c\/strong\u003e, or about \u003cstrong\u003e13% to 22%\u003c\/strong\u003e higher.\u003c\/p\u003e\n\u003cp\u003eThat helps owner pay only if conversion and retention hold. A price jump can lift cash per client, but if outcomes are unclear, churn rises and the calendar opens up again. The key tradeoff is simple: higher package price must buy clearer cadence, stronger accountability, and visible progress.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"right-row1\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack Tier Conversion\u003c\/h3\u003e\n\u003cp\u003eWatch \u003cstrong\u003eclose rate\u003c\/strong\u003e, \u003cstrong\u003echurn\u003c\/strong\u003e, and \u003cstrong\u003erevenue per client\u003c\/strong\u003e by tier, then compare each package against the time it really takes to deliver. A cleaner package earns more without pushing support time or renewal loss up faster than price.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003ePrice by outcome, not call count.\u003c\/li\u003e\n\u003cli\u003eShow progress metrics early.\u003c\/li\u003e\n\u003cli\u003eTest small increases first.\u003c\/li\u003e\n\u003cli\u003eReview tier mix monthly.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eIf \u003cstrong\u003ePremium\u003c\/strong\u003e or \u003cstrong\u003eElite\u003c\/strong\u003e clients renew at the same rate as Basic, the higher price drops straight to profit. If they do not, the owner just buys harder sales work and more rework.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step1\"\u003e1\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eActive Client Capacity\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row2\"\u003e\n\u003ch3\u003eActive Client Capacity\u003c\/h3\u003e\n\u003cp\u003eActive client capacity is the ceiling on how many health coaching clients you can serve without hurting delivery. In Year 1, service time per client is \u003cstrong\u003e15 hours\u003c\/strong\u003e for Basic, \u003cstrong\u003e30\u003c\/strong\u003e for Premium, \u003cstrong\u003e60\u003c\/strong\u003e for Elite, and \u003cstrong\u003e10\u003c\/strong\u003e for Corporate Wellness. Higher tiers lift revenue per client, but they also use more calendar time.\u003c\/p\u003e\n\u003cp\u003eHere’s the quick math: capacity equals \u003cstrong\u003eavailable billable hours ÷ service hours per client\u003c\/strong\u003e, then you trim for onboarding, notes, messaging, and renewal calls. Utilization means the share of time that is billable. If the model assumes a full calendar every week, owner pay can look fine on paper while cash flow stays tight against \u003cstrong\u003e$5,250\/month\u003c\/strong\u003e in fixed overhead.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row2\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eMeasure Billable Time, Not Busy Time\u003c\/h3\u003e\n\u003cp\u003eTrack billable hours by tier and separate admin time each week. If Elite uses \u003cstrong\u003e60 hours\u003c\/strong\u003e per client, it can crowd the calendar fast; \u003cstrong\u003eCorporate Wellness\u003c\/strong\u003e at \u003cstrong\u003e10 hours\u003c\/strong\u003e leaves more room for new work. That mix drives how many clients you can hold before service quality slips and renewals slow.\u003c\/p\u003e\n\u003cp\u003eStandardize onboarding, notes, and check-ins before you hire. If you add coaches, capacity rises, but payroll and management load rise too. Watch owner draw after fixed costs, and do not count on “fully booked” weeks unless the time log shows it is really billable.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eLog billable and admin hours separately.\u003c\/li\u003e\n\u003cli\u003eSet capacity by tier mix.\u003c\/li\u003e\n\u003cli\u003eReview utilization every month.\u003c\/li\u003e\n\u003cli\u003eForecast renewals before adding clients.\u003c\/li\u003e\n\u003cli\u003eHire only after demand is proven.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step2\"\u003e2\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eRetention And Renewals\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"left-row3\"\u003e\n\u003ch3\u003eRetention And Renewals\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eRetention\u003c\/strong\u003e is the share of clients who stay subscribed, and renewals are what keep health coaching revenue recurring instead of resetting every month. The key inputs are active clients, monthly package price, renewal rate, and average client lifetime. Strong onboarding, clear outcomes, check-ins, and good client fit protect margin because repeat clients usually cost less than new ones.\u003c\/p\u003e\n\u003cp\u003eHere’s the pressure point: CAC drops from \u003cstrong\u003e$150 in Year 1\u003c\/strong\u003e to \u003cstrong\u003e$90 in Year 5\u003c\/strong\u003e in the assumptions, so weak retention forces more paid acquisition and cuts owner take-home. If clients leave before they see progress, the business has to keep refilling the top of the funnel just to hold revenue flat.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"right-row3\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eImprove Renewals\u003c\/h3\u003e\n\u003cp\u003eTrack \u003cstrong\u003erenewal rate\u003c\/strong\u003e by package, coach, and cohort, plus onboarding completion and check-in attendance. If one package renews worse than the others, the issue is usually fit, unclear goals, or weak accountability, not price alone. \u003cstrong\u003eRenewals are cheaper than reacquisition.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eUse 30-, 60-, and 90-day progress reviews tied to one or two measurable outcomes, then document the next plan before the current term ends. That keeps revenue recurring and protects cash flow, because every retained client lowers the need to spend more on new leads and helps preserve owner profit.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step3\"\u003e3\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eDelivery Mix And Scale\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row4\"\u003e\n\u003ch3\u003eDelivery Mix Shift\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eMore Elite and corporate hours can lift owner income per delivery hour\u003c\/strong\u003e, but only if the extra sales, curriculum, and reporting work stays lean. In the model, Basic falls from \u003cstrong\u003e45%\u003c\/strong\u003e of delivery hours in Year 1 to \u003cstrong\u003e25%\u003c\/strong\u003e in Year 5, while Elite rises from \u003cstrong\u003e10%\u003c\/strong\u003e to \u003cstrong\u003e25%\u003c\/strong\u003e and Corporate Wellness from \u003cstrong\u003e5%\u003c\/strong\u003e to \u003cstrong\u003e15%\u003c\/strong\u003e.\u003c\/p\u003e\n\u003cp\u003eHere’s the quick math: implied revenue per delivery hour is about \u003cstrong\u003e$5\u003c\/strong\u003e for Basic (\u003cstrong\u003e$75 \/ 15\u003c\/strong\u003e), \u003cstrong\u003e$4\u003c\/strong\u003e for Premium (\u003cstrong\u003e$120 \/ 30\u003c\/strong\u003e), \u003cstrong\u003e$3.33\u003c\/strong\u003e for Elite (\u003cstrong\u003e$200 \/ 60\u003c\/strong\u003e), and \u003cstrong\u003e$9\u003c\/strong\u003e for Corporate Wellness (\u003cstrong\u003e$90 \/ 10\u003c\/strong\u003e) in Year 1. In Year 5, that becomes about \u003cstrong\u003e$5.67\u003c\/strong\u003e, \u003cstrong\u003e$4.67\u003c\/strong\u003e, \u003cstrong\u003e$4\u003c\/strong\u003e, and \u003cstrong\u003e$11\u003c\/strong\u003e. One-on-one is simpler, but it runs into hour limits fast.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row4\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack Billable Hours by Tier\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eMeasure the mix, not just total clients\u003c\/strong\u003e. The owner should track billable hours, prep time, sales time, and reporting time by offer so the real margin is visible. Group work needs a curriculum and a facilitator. Corporate work needs outreach and client reporting. If those hours rise faster than billed hours, owner pay drops even when revenue looks better.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eTrack\u003c\/strong\u003e hours by package each week.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePrice\u003c\/strong\u003e for sales and reporting time.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTest\u003c\/strong\u003e group size and facilitation load.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eForecast\u003c\/strong\u003e owner draw from net delivery hours.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWhat this estimate hides:\u003c\/strong\u003e unbilled admin and changeovers between offers. If Basic stays too high, revenue per hour stays low. If Elite and Corporate Wellness grow without tighter scheduling, the owner can add complexity faster than cash.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step4\"\u003e4\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eLead Generation Efficiency\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n  \u003cdiv class=\"left-row5\"\u003e\n    \u003ch3\u003eLead Generation Efficiency\u003c\/h3\u003e\n    \u003cp\u003eLead generation efficiency is how much it costs to turn referrals, partnerships, content, local networking, and paid ads into paying clients. With marketing budget rising from \u003cstrong\u003e$25,000\u003c\/strong\u003e in Year 1 to \u003cstrong\u003e$180,000\u003c\/strong\u003e in Year 5, the model only works if \u003cstrong\u003eCAC\u003c\/strong\u003e (customer acquisition cost) improves from \u003cstrong\u003e$150\u003c\/strong\u003e to \u003cstrong\u003e$90\u003c\/strong\u003e and clients repay that spend through subscription gross profit and renewals. Cheap leads are not the goal; paid-back leads are.\u003c\/p\u003e\n    \u003cp\u003eHere’s the quick math: \u003cstrong\u003e$25,000 ÷ $150 = about 167 clients\u003c\/strong\u003e, and \u003cstrong\u003e$180,000 ÷ $90 = 2,000 clients\u003c\/strong\u003e if spend converts cleanly. What this estimate hides is channel quality. Strong discovery-call conversion and retention lower pressure on ads, while weak close rates or short client life make the same marketing budget drag on owner take-home income.\u003c\/p\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"right-row5\"\u003e\n    \u003cdiv class=\"tips-box\"\u003e\n      \u003ch3\u003eCut CAC Before You Scale Spend\u003c\/h3\u003e\n      \u003cp\u003eTrack \u003cstrong\u003espend by channel\u003c\/strong\u003e, \u003cstrong\u003eCAC\u003c\/strong\u003e, discovery-call conversion, and renewal rate separately for ads, referrals, partnerships, content, and local networking. That tells you which sources bring clients that stay long enough to cover acquisition cost and support profit. If paid ads bring volume but clients drop early, the marketing line grows faster than owner income.\u003c\/p\u003e\n\u003cp\u003eUse payback period, which means how fast gross profit repays CAC, as your go\/no-go test. Keep testing message, offer, and call script until the client’s early gross profit covers acquisition cost quickly. If a channel cannot show fast payback, cut it before it eats cash and squeezes the owner’s draw.\u003c\/p\u003e\n      \u003cul class=\"lst_crct_blog\"\u003e\n        \u003cli\u003e\n\u003cstrong\u003eAd spend\u003c\/strong\u003e by channel\u003c\/li\u003e\n        \u003cli\u003e\n\u003cstrong\u003eCAC\u003c\/strong\u003e by channel\u003c\/li\u003e\n        \u003cli\u003e\u003cstrong\u003eDiscovery-call conversion\u003c\/strong\u003e\u003c\/li\u003e\n        \u003cli\u003e\n\u003cstrong\u003eRenewal rate\u003c\/strong\u003e by cohort\u003c\/li\u003e\n        \u003cli\u003e\u003cstrong\u003eGross profit per client\u003c\/strong\u003e\u003c\/li\u003e\n      \u003c\/ul\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"step-circle step5\"\u003e5\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eOperating Costs, Reserves, And Team Leverage\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row6\"\u003e\n\u003ch3\u003eOperating Cost Control\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eFixed overhead of $5,250\/month\u003c\/strong\u003e covers tools, insurance, legal, accounting, platform maintenance, training, admin help, contractors, and reserves. This cost sits below revenue, so it cuts straight into operating profit and owner pay. \u003cstrong\u003ePayroll growth\u003c\/strong\u003e from a CEO plus part-time ops support in Year 1 to a larger team by Year 5 raises the cash burn faster than revenue if demand is not proven.\u003c\/p\u003e\n\u003cp\u003eHere’s the risk: \u003cstrong\u003eminimum cash need of $799,000 at Month 16\u003c\/strong\u003e means the business must keep enough runway while it invests in compliance, client experience, and delivery support. Underinvesting can hurt retention, but overhiring before demand is real can drain cash and force the owner to pause pay or cut growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row6\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eProtect Cash and Headcount\u003c\/h3\u003e\n\u003cp\u003eTrack the monthly run rate for each overhead line, then tie hiring to booked demand, not hope. \u003cstrong\u003eOne clean rule: don’t add payroll until the current team is consistently full on paid work.\u003c\/strong\u003e Keep reserves inside the forecast, and refresh them every month so the \u003cstrong\u003e$799,000\u003c\/strong\u003e cash need doesn’t surprise you at Month 16.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eReview overhead every month\u003c\/li\u003e\n\u003cli\u003eHire only against booked demand\u003c\/li\u003e\n\u003cli\u003eSeparate reserves from operating cash\u003c\/li\u003e\n\u003cli\u003eWatch compliance and training spend\u003c\/li\u003e\n\u003cli\u003eProtect client experience before scaling\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eMeasure cash burn, payroll as a share of revenue, and the cost of weak onboarding or poor support. If retention slips, the fix is usually better training, tighter operations, and cleaner client handoffs, not faster hiring. That keeps margin intact and gives the owner more room to take profit instead of funding mistakes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step6\"\u003e6\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompare lean, base, and high health coaching income scenarios\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-scenario-table\" aria-label=\"Health Coaching Owner Income Scenarios\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Health Coaching Owner Income Scenarios\" data-note-label=\"Planning note\" data-note-text=\"Scenario ranges are researched planning assumptions, not guaranteed earnings, salary promises, tax advice, or distributions.\"\u003e\u003cdiv class=\"fml-scenario-table-card\"\u003e\n\u003cheader class=\"fml-scenario-table-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-scenario-table-eyebrow\"\u003eScenario table\u003c\/p\u003e\n\u003cp class=\"fml-scenario-table-description\"\u003eOwner income shifts with client mix, CAC, payroll, and fixed overhead. The model moves from a Year 1 -$20k EBITDA drag to Year 2 payback progress and Year 5 scale.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-actions\"\u003e\u003cbutton class=\"fml-scenario-table-export\" type=\"button\" data-scenario-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-scenario-table-wrap\"\u003e\u003ctable class=\"fml-scenario-table-grid\"\u003e\n\u003ccaption\u003eCompare low, base, and high owner income cases for a health coaching model.\u003c\/caption\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth class=\"fml-scenario-table-stub\" scope=\"col\" data-export-value=\"Scenario\"\u003eScenario\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Low Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eLow Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLow Case\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Base Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eBase Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eBase Case\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"High Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eHigh Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eHigh Case\u003c\/span\u003e\n\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Launch model\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-launch\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-launch-model.svg\" alt=\"Launch model icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eLaunch model\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"This is the downside case, where growth is slow and owner income stays under pressure.\"\u003eThis is the downside case, where growth is slow and owner income stays under pressure.\u003c\/td\u003e\n\u003ctd data-export-value=\"This is the modeled middle case, where growth and pricing hold together and payback stays on track.\"\u003eThis is the modeled middle case, where growth and pricing hold together and payback stays on track.\u003c\/td\u003e\n\u003ctd data-export-value=\"This is the upside case, where scale and mix improvement drive strong owner earnings.\"\u003eThis is the upside case, where scale and mix improvement drive strong owner earnings.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Typical setup\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-setup\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-typical-setup.svg\" alt=\"Typical setup icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eTypical setup\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Year 1 is 45% Basic at $75\/hour, 40% Premium at $120\/hour, 10% Elite, and 5% Corporate, so the book is still early and cash tight.\"\u003eYear 1 is 45% Basic at $75\/hour, 40% Premium at $120\/hour, 10% Elite, and 5% Corporate, so the book is still early and cash tight.\u003c\/td\u003e\n\u003ctd data-export-value=\"Year 2 shifts to 40% Basic at $78\/hour, 45% Premium at $125\/hour, 10% Elite, and 5% Corporate, with $50k marketing, $130 CAC, and Year 2 EBITDA of $204k.\"\u003eYear 2 shifts to 40% Basic at $78\/hour, 45% Premium at $125\/hour, 10% Elite, and 5% Corporate, with $50k marketing, $130 CAC, and Year 2 EBITDA of $204k.\u003c\/td\u003e\n\u003ctd data-export-value=\"Year 5 reaches 25% Basic at $85\/hour, 35% Premium at $140\/hour, 25% Elite at $240\/hour, and 15% Corporate at $110\/hour, with $180k marketing and $5.271M EBITDA.\"\u003eYear 5 reaches 25% Basic at $85\/hour, 35% Premium at $140\/hour, 25% Elite at $240\/hour, and 15% Corporate at $110\/hour, with $180k marketing and $5.271M EBITDA.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Cost drivers\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-drivers\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-cost-drivers.svg\" alt=\"Cost drivers icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eCost drivers\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Basic-heavy mix; $25k marketing; $150 CAC; $155k payroll; $63k fixed overhead\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eBasic-heavy mix\u003c\/li\u003e\n\u003cli\u003e$25k marketing\u003c\/li\u003e\n\u003cli\u003e$150 CAC\u003c\/li\u003e\n\u003cli\u003e$155k payroll\u003c\/li\u003e\n\u003cli\u003e$63k fixed overhead\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Premium-led mix; $50k marketing; $130 CAC; stronger retention; 26-month payback\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003ePremium-led mix\u003c\/li\u003e\n\u003cli\u003e$50k marketing\u003c\/li\u003e\n\u003cli\u003e$130 CAC\u003c\/li\u003e\n\u003cli\u003estronger retention\u003c\/li\u003e\n\u003cli\u003e26-month payback\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Elite and corporate mix; $180k marketing; $90 CAC; larger team; $5.271M EBITDA\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eElite and corporate mix\u003c\/li\u003e\n\u003cli\u003e$180k marketing\u003c\/li\u003e\n\u003cli\u003e$90 CAC\u003c\/li\u003e\n\u003cli\u003elarger team\u003c\/li\u003e\n\u003cli\u003e$5.271M EBITDA\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Owner income range\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-range\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-planning-range.svg\" alt=\"Owner income range icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eOwner income range\u003c\/span\u003e\u003cspan class=\"fml-scenario-row-subtitle\"\u003eBefore owner reserves\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"-$20k to $0\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e-$20k to $0\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLow Case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$120k - $220k\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$120k - $220k\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eBase Case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$500k - $1.5M\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$500k - $1.5M\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eHigh Case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Best fit\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-fit\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-best-fit.svg\" alt=\"Best fit icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eBest fit\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Use this to stress-test a slower launch, weak retention, or a heavy payroll start.\"\u003eUse this to stress-test a slower launch, weak retention, or a heavy payroll start.\u003c\/td\u003e\n\u003ctd data-export-value=\"Use this as the planning anchor for lenders, partners, and budget targets.\"\u003eUse this as the planning anchor for lenders, partners, and budget targets.\u003c\/td\u003e\n\u003ctd data-export-value=\"Use this to test what full scale looks like if premium and corporate demand holds.\"\u003eUse this to test what full scale looks like if premium and corporate demand holds.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-note\"\u003e\n\u003cspan class=\"fml-scenario-table-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Scenario ranges are researched planning assumptions, not guaranteed earnings, salary promises, tax advice, or distributions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49303895933171,"sku":"health-coaching-owner-makes","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/health-coaching-owner-makes.webp?v=1782683936","url":"https:\/\/financialmodelslab.com\/products\/health-coaching-owner-makes","provider":"Financial Models Lab","version":"1.0","type":"link"}