Find Certainty About Your Everyday Money
Understand how your money flows naturally and then take advantage of that flow with a cash plan
Understand how your money flows naturally and then take advantage of that flow with a cash plan
Your household everyday money flows in a universal pattern. You don't create this flow. It already exists. How your money moves happens naturally.
Every household is different. The amounts are different. The income sources are different. The bills are different. But every household has one thing in common: money flows in and out over time.
This flow of your money continues unchanged even when you do a budget, maintain a spreadsheet, or use any of the myriad money related apps.
You Need A Cash Plan automatically organizes the natural flow of your everyday money into a single picture of how your money is flowing through your household: now and for the next twelve months.
Visibility enables control.
Control reduces stress.
Less stress brings certainty.
To understand cash plans, plus how your household everyday money really works, the book Get Real With Your Money is the place to start.
You Need A Cash Plan works for anyone with an income regardless of the income amount, type or frequency.
All sources of income. Any combination.
You Need A Cash Plan organizes 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
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.
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 your twelve-month cash plan.
Life truly is better when you can see where your money is going before it gets there.
Read the book. Build your cash plan.
See what changes in your relationship with your everyday money when uncertainty is replaced by future visibility.