If you're running a startup out of Excel (most of us are), you don't need 40 templates. You need five:

1. Cash flow — can you make payroll in 30 days?

2. P&L — are you actually profitable, or just busy?

3. Invoice tracker — who owes you, and since when?

4. Expense log — where the money went last month

5. Simple budget — the number you refuse to exceed

Everything else is decoration.

Build those once. Reuse them. Stop starting from a blank grid every time you launch something new.

That's the whole game.