Cash flow isn’t just budgeting — it’s the foundation of every meaningful financial plan. In this episode, we dive into why understanding your spending patterns, adjusting for inflation, and preparing for life’s curveballs are key to long-term financial stability. From everyday expenses to healthcare costs, we explore how detailed cash flow planning can help align your lifestyle with your values.

Topics include:

• Discretionary vs. non-discretionary spending

• Inflation’s impact on different costs

• Planning for one-time and unexpected expenses

• Life events and their financial ripple effects

• What “wiggle room” really means in retirement