It flows from one financial obligation to the next—toward the moments when money is needed.
When you can see that flow twelve months into the future, you stop wondering whether you'll have enough. You can finally guide it with confidence.
Start with Get Real With Your Money to understand how household money really flows. Then use You Need A Cash Plan to turn that understanding into a practical twelve-month cash plan.
You Need a Cash Plan helps households create a clear, twelve-month view of their money, while Get Real With Your Money explains the ideas behind that approach. Together, the book and software help families understand what is coming in, what is going out, and what will be left. They replace stress and guesswork with clarity, helping everyone stay on the same page and make confident decisions without complicated budgets or spreadsheets.
Get Real With Your Money introduces students to the principles of everyday money management, while You Need A Cash Plan gives them a practical way to apply what they learn. Instead of studying abstract financial concepts, students create a real twelve-month cash plan by projecting income, expenses, and what's left. Together, the book and software make personal finance visual, practical, and immediately useful—building money skills that students can use for life.
Get Real With Your Money helps clients understand the principles of everyday money management, while You Need A Cash Plan turns those principles into a practical twelve-month cash plan. Instead of guessing where money is going, clients arrive at meetings with a clear picture of future income, expenses, and net cashflow. Together, the book and software help clients make better decisions at home between sessions, allowing financial advisors to spend less time explaining the basics and more time providing higher-value guidance.
When planning a path out of debt
Get Real With Your Money explains why understanding the flow of your everyday money is the first step toward becoming debt-free. You Need A Cash Plan puts those ideas into action by showing exactly where your money is going over the next twelve months. With built-in calculators for custom payoff plans, debt snowballs, and credit card amortization, you can stop falling behind, make confident decisions, and create a practical path out of debt.
Get Real With Your Money gives couples a shared understanding of how household money really works before they begin married life. You Need A Cash Plan then helps them turn that understanding into a practical financial plan with the Advance Plan feature, allowing them to see their full financial picture, combine incomes and expenses, and build confidence about managing money together long before they say "I do."
The HEMS Financial Fitness Mentor program begins with Get Real With Your Money, giving participants a clear understanding of how household money really flows. It then uses You Need A Cash Plan to put those principles into practice through mentoring, workshops, and a proven twelve-month cash planning system. Together, the book and software help individuals and families replace financial uncertainty with clarity, build confidence through real-life implementation, and develop lasting financial habits while mentors focus on guidance, coaching, and encouragement.
