Find Your Cash Flow Baseline in 10 Minutes (Before You Budget)

Описание: If you’ve ever said, “We make good money… so why do we still feel broke?” — you don’t need a stricter budget.

You need ONE number: your cash flow baseline.

In this video, we’ll calculate it together in about 10 minutes so you know if your household is:
✅ running a surplus
⚠️ treading water (thin surplus)
🚨 or quietly running a deficit

And I’ll show you the one line most people forget that torpedoes most budgets: non-monthly expenses (the stuff that “isn’t monthly”… but always happens).

👇 Want the checklist + screenshots (including the 3 expense categories)?
Read the companion blog post:
https://www.financialboss.com/blog/20...

🎯 Still deciding what goals to prioritize?
Take the FREE Wheel of Life Assessment (quick questions + instant results):
https://www.financialboss.com/wheel-o...

✅ The 10-Minute Baseline Method
1. Find your real monthly net income (what actually hits your account)
2. List expenses in 3 buckets: fixed, variable, and non-monthly
3. Calculate your baseline: Income − Total Expenses
4. Choose your next move (deficit / thin surplus / strong surplus)

🧠 Comment prompt
Comment SURPLUS or DEFICIT and tell me what surprised you most:
income, fixed costs, or non-monthly expenses.
(If you want, drop your baseline number — I’ll reply with ONE lever to pull first.)

⏱️ Chapters
00:00 Why you feel broke (even with good income)
00:35 What a cash flow baseline is (and why it comes before budgeting)
01:40 Step 1 — Real monthly net income
03:10 Step 2 — Fixed + variable + non-monthly expenses (the line most people forget)
06:40 Step 3 — Calculate baseline (surplus / thin / deficit)
08:00 What to do next based on your result
09:30 Quick recap + next video (budgeting)

👋 About me
I’m Justin Belkin — CFP®, former product manager, and Oxford grad. I help busy, ambitious parents build a simple system for their money, so it supports the life they’re trying to build.

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Disclaimer: This video is for educational purposes only and is not individualized investment, tax, legal, or accounting advice. Investing involves risk, including possible loss of principal. Please consult your professional advisors for your situation.

#cashflow #budgeting #personalfinance #financialplanning