Cash Flow Strategies & Considerations
Cash flow is the movement of money in and out of your life. When more comes in than goes out, you gain flexibility, choice, and breathing room. This resource is designed to support clarity — not pressure.
1. Know Your Net Cash Flow
Look at what you take home monthly (after tax) and subtract your expenses, including debt payments.
Ask:
Is there money left at month-end?
Or am I relying on credit or savings to fill gaps?
Awareness comes before change.
2. Use a Simple Framework
A budget plans how money should flow. Cash flow shows how it is flowing.
A common guideline is 50 / 30 / 20:
50% Needs — housing, food, utilities, insurance
30% Wants — lifestyle, enjoyment, extras
20% Future — savings, debt reduction, investing
These numbers are flexible. Adjust them to match your life and priorities.
3. Track Without Judgement
Tracking for a few months reveals patterns — not failures.
Notice:
Expenses that quietly drain flexibility
Spending that supports wellbeing
Costs that no longer align
Information creates choice.
Ways to Improve Cash Flow
Reduce Outflows
Review discretionary spending
Address high-interest debt
Reassess large fixed costs, like housing
Increase Inflows
Automate saving, even small amounts
Build an emergency fund (often 3–6 months of expenses)
Explore additional income or long-term growth strategies
Shared & Family Considerations
Cash flow works best with transparency.
Open conversations about goals and responsibilities reduce stress. Separating personal and business finances often brings immediate clarity.
A Gentle Reminder
Cash flow management isn’t about control.
It’s about choice.
Clarity creates flexibility.
Flexibility creates freedom.
For Participants in the Wildly Empowered 6-Month Program
Participants are offered a guided financial review focused on understanding cash flow, financial patterns, and personal priorities. This review is educational in nature and does not include product recommendations or sales.
Professional Disclosure
The author of this resource is also a licensed financial broker. Any professional services are offered independently of Wildly Empowered and only upon request, with full disclosure provided.