Lesson

Cash Flow Mapping | Options Educator

Understand income timing, recurring bills, and cash flow timing.

In this lesson

What Cashflow Really Means

  • Cashflow = what comes in minus what goes out
  • Positive cashflow is the only way to build wealth over time
  • High income + high outflow = still no cashflow

Finding Your Monthly Cashflow

  • Measure once a month, not daily
  • Fixed vs variable vs discretionary tells you what's flexible
  • Negative cashflow for 3+ months is an emergency

Fixing Negative Cashflow

  • Only two levers: earn more or spend less
  • Subscriptions and food-out are the fastest wins
  • Automate transfers on payday — before you see the money

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