Cashflow College 101
The Book on Tax Reduction, Debt Destruction, and Cashflow Production
My book focuses on helping the reader to understand personal finance and apply the principles to create a fulfilled life. Cashflow is the key to time freedom, and we teach our readers how to build it so that they can have time to live life on their own terms.
Often, the conversation around personal finance is not fun, in that it focuses on restriction and what you have to give up. Although sacrifice is required, we aim to shift the mindset and conversation around budgeting and personal finance so that readers are inspired to stick to the budget they plan out.
We can increase our cashflow by either increasing our income or decreasing our expenses. With the H.A.I.T. Budgeting strategy and my background as a CPA and real estate entrepreneur, I am able to share insights on reducing the 4 largest expenses faced by most Americans: Housing, Auto, Interest, and Taxes. Reader’s also learn strategies to increase their income passively so that they can get their time back.
Many of us learn personal finance through conversations with our parents and observing their financial habits. I believe that it is important to start having conversations with our children about personal finance at a young age and we can make these conversations fun and interactive. I provide insights for parents to use to help their children grow into more financially savvy adults.
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About the Author
In school, we are fortunate to receive the lesson before the test, yet life chooses to teach us differently. We are often left to learn personal finance on our own unless we are fortunate enough to have parents that teach us sound practices, yet many parents repeat the lessons that they were taught, and most did not get much in the form of education on personal finance.
While earning my Master’s in Accountancy and eventually becoming a CPA, I accumulated $47,500 in student loan debt. This debt sparked a fire within me to learn personal finance and apply the principles. Working on audits and client engagements for banks, insurance companies, title loan companies, 401k plans, and pension plans provided unique perspective on personal finance, that when combined with my own self education, led me to create the H.A.I.T. Budgeting Technique, which I used to pay-off $40,000 in student loan debt in 4 years without picking up a second job and on less than a $60k salary. I then started teaching friends the same, and noticed great results in the finances of those who chose to apply the strategies.
After paying off this mountain of debt, I have worked with individuals and couples to help them improve their finances through coaching and seminars. I have also built my real estate business. In doing so, I’ve been able to help individuals increase their passive income while providing a home away from home to patients and medical professionals visiting the Texas Medical Center.
Cashflow College 101
The Book on Tax Reduction, Debt Destruction, and Cashflow Production
Chapter 1 “Life Story: A Financial Perspective”
Lessons that life has taught me in the area of personal finance.
Chapter 2 “The H.A.I.T. Budgeting Technique”
How to design a budget that makes personal finance personal.
Chapter 3 “Live in your Home Rent Free”
Strategies to reduce your housing costs.
Chapter 4 “Saving on Auto Expenses”
How to reduce auto expenses so that you can go further.
Chapter 5 “Credit Principles”
How to build or rebuild your credit.
Chapter 6 “Basic Debt Destruction Principles”
How to pay off debts efficiently.
Chapter 7 “Reducing Your Largest Expense”
Strategies to save on taxes.
Chapter 8 “Benefits of Adding Real Estate to Your Portfolio”
Financial and non financial benefits of real estate investment.
Chapter 9 “Ignite the Cash Flow of Your Real Estate Portfolio with Short-term Rentals”
An intro to the short term rental business.
Chapter 10 “Mailbox Money”
How to earn passive income with your retirement account in real estate.
Chapter 11 “Personal Finance for the Little Ones”
How to introduce personal finance topics to your children.
Cashflow College 101
The Book on Tax Reduction, Debt Destruction, and Cashflow Production
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