Cash Flow Planning for Family Happiness|Mike Butean

Mike Butean, Certified Cash Flow Specialist will provide you with easy to use tips to improve your cash flow & credit score and give you the option to hire a behavioral cash flow specialist to help you navigate your daily financial struggles

What is Behavioral Cash Flow Plan?

The Behavioral Cash Flow Plan™ is a written document including specific advice on personal spending based on a standardized process that allows me to take into account your income, expenses, proximity to retirement (or other major goals) assets and liabilities and recommend how much you can spend on the things you can control in order to achieve your dreams. It includes specific and clear advice on both spending and debt repayment.

A Behavioral Cash Flow Plan™ is NOT a budget. It is a plan that helps manage your day-to-day cash flow. It is a plan that takes into account financial obligations.

A Behavioral Cash Flow Plan™ also provides guidance on future costs like purchasing your next vehicle, handling emergencies and planning for major expenses such as renovations with the exact amount you should focus on spending with expenses you can control.


• Find you the money to fund your dreams!

• Show you how to save tens if not hundreds of thousands of dollars in inefficient interest

• Help you stop money leaks on stuff that doesn’t matter so you’ve got lots of money for the stuff that does

• Finally tell you what TO DO, not just what TO BUY!

The fact is, most people need a Behavioral Cash FLOW PLANNING™ Flow Plan™ and rarely have one. Instead, we most often deal with issues of cash flow after trouble has already hit. We buy the fire extinguisher when the house is already engulfed in flames. A fifteen-minute conversation can determine whether Behavioral Cash Flow Planning™ would work for your situation

For more information about how to improve your cash flow and credit score feel free to reach out at:


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