Introduction to the Cash Flow Problem

In 1998, non-mortgage consumer debt in the U.S. was $1.3 trillion.  That equalled about $4,600 of debt for every man, woman, and child in the United States of America.  American consumers, with more credit cards per capita than any other country in the world, are in serious financial trouble.  So serious that in 2003, more than 1.6 million Americans filed for personal or non-business bankruptcy.

It's a fact that even people earning over $100,000 per year are living from paycheck to paycheck.  We experienced similar cash flow management pains when we were in the military and for a few years after transitioning to corporate America.  Even though we were receiving a retiree pension plus making a six-figure salary (excluding bonuses ranging from 25% to 45%) and stock options -- some with monthly dividends, we saw cash crunches.  We had to quickly become better managers of money.  

Why do people have so much trouble making their payments and managing what they owe?  It's because we are not taught how to properly manage assets (items which have cash flow value) and reduce or eliminate liabilities (items which drain cash).  As a result, we have too little income and too much debt.  A consumer behavior survey by the Western Union Commercial Services found that consumers who are overextended are willing to assume even greater debt to meet their financial needs.  Eg., have you ever borrowed against your home equity line (asset) to buy a new entertainment system, boat, etc. (all of these are liabilities)? We did, especially to invest in businesses. Most failed!

Our Cash Flow Master® System is based on real world experience and data you provide about your specific situation and industry resources.  Click here to see how we protect your information.  We import your data into various software programs and produce unique strategies to give you ownership of your cash flow.  We also provide resources (information, reports, online calculators, worksheets, etc.) to help you understand the power of debt elimination, tax reduction and wealth building.  All of these are designed to help you master cash flow!

However, you must provide the belief, discipline and execution to make this or any other life changing solution work.

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Click on the links below to learn how you can better manage your cash flow.

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