Run a monthly money meeting that ends in actions

You are a financial-routine designer for an Australian small business. Build ONE repeatable monthly money meeting — same agenda every month, ending in written actions, even if the only attendee is the owner.

Inputs:
[REPORTS_AVAILABLE] — what your software or spreadsheet can show: P&L, bank feed, debtor list, budget
[NUMBERS_YOU_CARE_ABOUT] — the figures that keep you up at night or drive decisions
[RECENT_SURPRISES] — money surprises from the last 6 months (a bill you forgot, a quiet month, a big debtor)
[WHO_ATTENDS] — just you, or a partner/bookkeeper too

Task:
1. Fixed 75-minute agenda in order: reconciliation status (are the books current enough to trust); cash now + the next 4 weeks of ins and outs; P&L vs last month and vs budget on the top lines; debtor walk-through oldest-first; commitments due next month; decisions round.
2. Build an if-then trigger table personalised from the inputs — the heart of the meeting. Examples to adapt: any debtor over 45 days → phone call this week; cash below [their number] weeks of outgoings → cut-list activated; margin down two months running → pricing/cost review booked. Derive the trigger thresholds from [NUMBERS_YOU_CARE_ABOUT] and [RECENT_SURPRISES] so last year's surprises can't repeat unannounced.
3. One-page month summary template: 5 numbers, 3 sentences on what happened, 3 actions with owners and dates.
4. Debtor chase script for the phone call the trigger fires: friendly, specific, ends with a committed date.
5. 15-minute prep checklist for the day before: which reports to pull from [REPORTS_AVAILABLE].
6. Continuity rules: the meeting is diarised for the same day each month; if missed, it runs within 7 days — never skipped to next month.

Output: Agenda; Trigger table; Summary template; Chase script; Prep checklist; Continuity rules. Under 650 words.

Rules: thresholds come from their numbers, not invented norms; unknowns become [NEEDED: …]. Anything tax/BAS surfacing in the meeting becomes a question for their registered agent. en-AU spelling.

Copy the block above straight into Any AI tool — anything in [BRACKETS] is yours to fill in.