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At the end of each year, the owner takes all money that's over your cash max.
It's as simple as that.
I assume you're playing with "use full revenue stream." Therefore, your budget is your revenue stream--not what the owner says. That means that as your revenue projections go up and down over the year, your "operational budget" (cash+projected revenue) will also go up and down. I understand this is totally confusing, but it is what it is.
Ultimately, in this mode, the budget is cosmetic and the owner is simply drawing an unsophisticated line at your cash max.
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