The Six Areas of Financial Planning
Your Master Plan
Financial Independence
Goal Setting
The Financial Pyramid
Credit Cards

financial independence is the overall goal of financial planning

The objective is to turn Cash Flow into Net Worth over time.

There are two things that make you money:

      • You at work
      • Your money at work

1. Increase Your Income

2. Decrease Your Spending

      • Distinguish between “needs” and “wants.”
       Ask yourself, “Do I really need this, or do I just want it?” Learn to tell the difference.
      •Unwise Spending
      • Reduce Taxes
      • Unforseen Loss
          - Bad investments
          - Unexpected expenses
      • Loss of Purchasing Power through Inflation

3. Invest Wisely