Where Your Money Goes: A Cash Flow Breakdown

"Where Your Money Goes: A Cash Flow Breakdown" is a streamlined guide for anyone seeking clarity around income, expenses, and financial habits. This resource moves beyond budgeting to focus on awareness, intention, and action. With thoughtful prompts that encourage reflection—not judgment—it invites users to get curious about how money flows in and out of their lives.

Unlike flashy infographics or overly complex calculators, this clean and approachable piece organizes key questions into categories such as earned income, variable and fixed expenses, debt obligations, savings strategies, and tracking methods. It’s not about accounting for every penny—it’s about developing a better relationship with your cash flow so you can make decisions that align with your goals.

This piece works beautifully as a visual anchor for coaching conversations, planning sessions, or DIY reflection. Whether you’re reviewing how income supports your goals, recognizing patterns in discretionary spending, or determining if you need to adjust your saving and spending balance, this breakdown simplifies the process. It also considers irregular income, infrequent expenses, and ways to smooth out cash flow fluctuations over time—making it especially useful for entrepreneurs, freelancers, and transitioning households.

Perfect for pairing with the Master List of Goals checklist, this tool helps individuals connect today’s money habits with tomorrow’s vision. It’s ideal for advisors guiding clients, or for anyone asking themselves, “Am I using my money in a way that supports the life I want?”