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The key to financial comfort and security is CASH FLOW. Cash flow can be defined as the difference between what you EARN and what you SPEND each month.

The most accurate version of cash flow is averaged because it includes recurring expenses such as insurance costs or repairs that may occur less frequently during the year.

There is a very simple 7 point system that will allow you to significantly increase your cash flow AND pay off all mortgage and non-mortgage debt in a fraction of the time.

This formula was developed by a company called VIP Financial Education for employees of companies like NASA, Chicago Title, and RE / MAX, to name a few. It is a bulletproof process if you follow it.

Here is a summary of the steps:

Step one: Define your top 3-5 financial goals for the next 5 years. This should be done individually and cross-referenced with your partner (if you have one).

Second step: Complete a Cash Flow Cruncher. This is a comprehensive VIP budget spreadsheet designed for your clients. This tool is very useful for managing income, expenses and monthly cash flow. It usually takes about 30 minutes to complete.

Step three: Check your initial cash flow and FICO credit scores. For some, this is a revelation. Knowing where you are starting and where you want to end is important to create a realistic map. You can get your accurate credit scores from Equifax, Experian, and TransUnion with no negative impact on scores at You can get free reports without credit scores at

Step four: Identify tools known as Debt Weapons. Debt weapons are tools provided both inside and outside of banks that allow you to achieve various very beneficial results. Debt weapons are available to everyone, you just need to know WHAT to get, WHERE to get them, WHEN to go after them, and WHY to get them. Until you can answer those 4 questions, you should not try to access Debt Weapons.

Step five: Pay off all your non-mortgage debt first. This process should be very strategic. There are several processes available to do this, however, the process they share and seemingly work the most successfully is to consider 4 very important factors.

1: Target rates

2: Types of accounts

3: Interest rates

4: Impact on credit ratings

Step six: Next, start paying off your mortgage debts. There are several effective ways to speed up mortgage elimination. Many people have been taught that mortgages can be considered “good debt.” However, in a way, it is also true that everyone I have talked to who is experiencing some level of financial distress is in debt. It is a fact that on a traditional 30-year mortgage you will pay substantial amounts of interest, regardless of your interest rates. It is also a fact that there are easy ways to counter this result without sacrificing your lifestyle.

And the most disappointing fact of all is that most of us were not taught these techniques in school.

Step seven: Cash flow stack. Cash Flow Stacking is a VIP-designed process that shows you an easy way to simultaneously generate income-generating assets that are then used to quickly settle liabilities. You will reach your goals much faster if you follow these 7 easy steps. It only requires action.

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