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Zero-based budgeting is a term commonly used in business. You may have heard of the every dollar budget as made famous by Dave Ramsey. We want to ensure that every dollar of income generated by your household has a purpose. That may be saving, investing, bills, or groceries. By fully understanding our inflows and outflows of household cash we can make more intentional decisions with our money.

Too many Americans are living beyond their means. We want to live below our means so that we have a surplus of cash to save and invest. This is how wealth is built and how we can achieve financial independence. The more you earn, the more you reduce your budget, and the more efficient you are, the faster you can achieve financial independence.

What's the alternative?Staying in debt? Losing your credit score, your car, or even worse, your house?

Households generate income, have expenses, and provide value to society. The highest performing businesses are those that generate significant cash flow. A zero-based budget is a proven way to improve efficiency and generate free cash flow in your household. This cash flow is what we use to pay down debt, save for emergencies, and invest in our long-term goals.