Narrative
The bank balance is not the position. Advisers who conflate the two cost their clients money.
A touring artist finishes a 20-date run in November. The isn't due for two weeks. The for Q3 arrives in December but covers from July through September, on a 12-week lag. A advance tranche lands in January. Meanwhile, December and January costs run every single day.
The bank balance in late November looks fine. It is not fine. What a needs is a forward view of money in and money out, period by period, far enough ahead to see the crunch before it arrives and act on it. That view is the rolling cashflow forecast.