Creator Financial Setup Framework for Course & Digital Product Creators

This framework helps course and digital product creators structure their finances around the reality of launch-cycle income rather than steady monthly revenue. It covers business registration through Bizee, banking consolidation via Mercury, payment processing through Stripe, accounting reconciliation with QuickBooks, and reserve planning using a Notion template. The system addresses how creator income arrives in spikes across platforms like Payhip and Gumroad, with complications from fees, refunds, and processor holds that obscure actual take-home revenue.