Honestly, this is the core issue with so many SEO and marketing gigs at early-stage startups. Underreporting hours doesn't just hurt you - it poisons the agency's whole pricing model and the client's perception of what's realistic.
Been there. I now run every retainer through a simple exercise before signing anything:
Phase 1: Stop absorbing costs
If the budget says 25 hours, that's the hard cap. Every minute of unpaid work is a signal that either the scope is doable in that window or that you're willing to be a doormat. Neither helps anyone.
Phase 2: Break down the scope into billable units
List every recurring task with a realistic time estimate. Present that to the client and ask: "Given these numbers, what gets cut or deprioritised?" Force the trade-off conversation - don't make it yourself.
Phase 3: Kill low-value activities
Weekly calls with no agenda? Someone else handling admin? Audit where those 25 hours actually go. If 5 are wasted on sync meetings, that's 20% of the monthly output gone.
Phase 4: Honour the boundary
When the 25 hours are up, stop. Say: "We've hit the cap. We can resume next month or you can top up with an additional block." No guilt, no heroics.
And yeah - the "that's just startup life" line is garbage. It's predatory startup life. If there's no equity on the table, you're not a mission-critical partner. You're cheap labour subsidising someone else's runway. Don't let them confuse hustle culture with exploitation.