Write the money rules: 90/10 and qualified expenses

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Exactly what to do

1. 3.1Run the 90/10 discipline
   Budget backwards from the 10%: everything that isn’t a scholarship, salaries, software, accounting, this year’s audit, must fit inside one dollar in ten. Assume “income” means all income (Treasury's anticipated reading), not just §25F gifts, and track the ratio live with the 90/10 calculator rather than discovering it at year end (deep dive).
2. 3.2Pay only qualified expenses, preferably directly
   Scholarships fund the Coverdell (§530(b)(3)(A)) list: tuition, fees, tutoring, books and supplies, computers, special-needs services (the full list, explained). Write that list into your award terms, and prefer paying schools and providers directly over reimbursing families: the paper trail proves qualified use by itself.