small-business-month-heads-uplisted

Run the month-end heads-up. Pull forward-looking cash data and give the owner a clear "here's what the next 30 days look like" picture with specific things to watch. Parse arguments: - `--horizon` (default: `30`) — forecast window in days (`30` or `60`) ## Step 1 — Current cash position Using the `cash-flow-snapshot` skill workflow: 1. Pull QuickBooks current cash and receivables balance. 2. Pull PayPal settled balance and pending payouts. 3. Combine for total available + incoming cash. ## Step 2 — Upcoming obligations 1. Pull recurring expenses from QuickBooks (payroll, subscriptions, rent/lease) due in the next 30 days. 2. Pull any outstanding invoices past due or due within 14 days. 3. Flag any payment that would push the balance below a comfortable buffer (default: <$2,000 or owner's QB average monthly expense × 0.5). ## Step 3 — Cash-flow forecast 1. Project 30-day net cash: current balance + expected inflows − known obligations. 2. Identify the single tightest week (lowest projected balance). 3. Flag if any week projects negative. ## Step 4 — Two things to watch Surface no more than two specific, actionable watches: - Which invoice(s) to chase now - Which expense(s) to defer or negotiate Format as: ``` Month-End Heads Up — {current date} Horizon: next {X} days Cash today: ${amount} Projected end-of-period: ${amount} Tightest week: {date range} — projected ${amount} TWO THINGS TO WATCH 1. {item} — {why it matters} — suggested action: {action} 2. {item} — {w