Start with the book, Get Real With Your Money, to understand how household money really flows. Then use You Need A Cash Plan to turn that understanding into a practical twelve-month cash plan.
If you've ever wondered where your paycheck went—even though you earn enough—the answer becomes obvious once you can see how everyday money actually flows toward the moments when it's needed.
When you can see that flow twelve months into the future, you stop wondering whether you'll have enough. You begin guiding it with confidence.
Start with the book, Get Real With Your Money, to understand how household money really flows. Then use You Need A Cash Plan to turn that understanding into a practical twelve-month cash plan.
Whether your household has one income or many, You Need A Cash Plan brings them together into one clear cash plan.
Any source of income. Any combination.
You Need A Cash Plan helps you organize all of your household income into one clear cash plan, including incomes like:
Employment
• One paycheck
• Two or more incomes
• Hourly wages
• Salary
• Self-employment
• Seasonal work
• Gig income
Retirement & Benefits
• Social Security
• Retirement income
• Disability income
• Child support
Other Income
• Rental income
• Investment income
• Even birthday and bonus checks
One household. One cash plan. One clear picture of your future money flow.
We earn enough, but we still run short.
A cash plan brings those schedules together.
You can see what's coming in, what must go out, and what will be left throughout the next twelve months—before a shortage catches you by surprise.
A cash plan breaks the cycle.
You can see when cash will get tight, prepare for irregular expenses, and build a cushion—one month at a time. Planning for the future becomes habit.
A cash plan shows the effect of a decision before you make it.
You can play "what if?" with a purchase, payment, or change of income and see how it affects your future net cashflow before you commit.
You Need a Cash Plan helps households create a clear, twelve-month view of their money, while Get Real With Your Money explains the ideas behind that approach. Together, the book and software help families understand what is coming in, what is going out, and what will be left. They replace stress and guesswork with clarity, helping everyone stay on the same page and make confident decisions without complicated budgets or spreadsheets.
Get Real With Your Money explains why understanding the flow of your everyday money is the first step toward becoming debt-free. You Need A Cash Plan puts those ideas into action by showing exactly where your money is going over the next twelve months. With built-in calculators for custom payoff plans, debt snowballs, and credit card amortization, you can stop falling behind, make confident decisions, and create a practical path out of debt.
Get Real With Your Money gives couples a shared understanding of how household money really works before they begin married life. You Need A Cash Plan then helps them turn that understanding into a practical financial plan with the Advance Plan feature, allowing them to see their full financial picture, combine incomes and expenses, and build confidence about managing money together long before they say "I do."
Get Real With Your Money introduces students to the principles of everyday money management, while You Need A Cash Plan gives them a practical way to apply what they learn. Instead of studying abstract financial concepts, students create a real twelve-month cash plan by projecting income, expenses, and what's left. Together, the book and software make personal finance visual, practical, and immediately useful—building money skills that students can use for life.
Get Real With Your Money helps clients understand the principles of everyday money management, while You Need A Cash Plan turns those principles into a practical twelve-month cash plan. Instead of guessing where money is going, clients arrive at meetings with a clear picture of future income, expenses, and net cashflow. Together, the book and software help clients make better decisions at home between sessions, allowing financial advisors to spend less time explaining the basics and more time providing higher-value guidance.
The Financial Fitness Mentor program begins with Get Real With Your Money, giving participants a clear understanding of how household money really flows. It then uses You Need A Cash Plan to put those principles into practice through mentoring, workshops, and a proven twelve-month cash planning system. Together, the book and software help individuals and families replace financial uncertainty with clarity, build confidence through real-life implementation, and develop lasting financial habits while mentors focus on guidance, coaching, and encouragement.
