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100% Debt FREE For Life (Including Real Estate)

The key to financial security and comfort 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 periodic expenses like insurance costs or repairs that may only occur less frequently throughout 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 debts in a fraction of the time.

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

Here is a summary of the steps:

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

Step Two: Complete a Cash Flow Cruncher. This is a comprehensive budgeting spreadsheet VIP designed for their clients. This tool is very helpful to manage income, expenses and monthly cash flow. It generally takes about 30 minutes to complete.

Step Three: Review your starting cash flow and FICO credit scores. For some this is an eye-opener. It’s important to know where you’re starting and where you want to end up in order to create a realistic map. You can get your accurate Equifax, Experian and TransUnion credit scores with no negative impact to the scores at You can get free reports with NO credit scores at

Step Four: Identify tools known as Debt Weapons. Debt Weapons are tools provided both in and out of banks which allow you to achieve several very beneficial results. Debt Weapons are available to everyone, you just need to know WHICH to get, WHERE to get them, WHEN you should pursue them, and WHY you should get them. Until you can answer those 4 questions, you should not attempt to access Debt Weapons.

Step Five: Pay off all your non-mortgage debts first. This process should be very strategic. There are several processes available to do this, however the process they share which apparently works most successfully is to consider 4 very important factors.

1: Target Rates

2: Types of Accounts

3: Interest Rates

4: Impact to Credit Scores

Step Six: Begin to pay off mortgage debts next. There are several effective ways to accelerate the elimination of mortgages. Many people have been taught that mortgages can be considered ‘good debt’. In a way that is true, however, it is also true that every single person I have ever talked to who is experiencing any level of financial discomfort has debt. It is a fact that over 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 outcome 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 process VIP designed which shows you a simple way to simultaneously build income producing assets which are then used to quickly pay off liabilities. You will achieve your goals far more quickly when you follow these 7 simple steps. It just requires action.

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