5-10-10-75™ is a faith-based application of traditional financial stewardship wisdom... Never spend 100% of your dollar or consume 100% of your resources!  If you do, no matter how much you earn, or how often you get paid, you'll always be broke! Even I learned this the hard way. You don't have to! Here's how...

Allocate your dollars as follows...

5% + - Cultural Community Investment

10% + - Savings for Emergency Fund and Investment

10% - Giving 

75% or less - Consumer Spending Threshold

Save, Give, Spend Less, Invest in your Kinship Community, and you will unleash limitless opportunity to overcome, revive, and thrive in most circumstances of life.  Why? Because you are not only building financial wealth, but relationship wealth, which is the currency of greatest value, when at-risk events occur.

Cash Flow 5-10-10-75™ tools are FREE or Inexpensive ($2.99), accessible, and do-able. Just start where you are!

Need a "Preparedness Buddy" to boost your Tier 1 Preparedness journey?  Join the Preparedness.Club 

YOU MUST BE ON YOUR SMARTPHONE TO PURCHASE AND DOWNLOAD THE APP TO YOUR  iPhone or Android. The 5-10-10-75 App does not download to a computer!!!

The CashFlow 5-10-10-75™ app is now available on 

 App Store and Google Play 

• CashFlow 5-10-10-75™ is a set of tools available for Excel, iPhone and Android phones. When you input an income amount, the apps automatically divide your income into four “buckets”: 75% Living Expense, 10% Saving, 10% Charity, 5% Community Investment.  

     Save, Give, Spend Smart,  Spend Less, Invest... and you'll likely prosper!

Why allocate your dollars using CashFlow 5-10-10-75™ ?

So that you can be financially empowered and ready, in all seasons, whether it’s a #SHTF emergency or that lifetime opportunity you’ve been preparing for. 

Also, it is through Saving, Giving, and Investing (in your  Kinship Communities) that opportunity, relationship wealth and resilience flourish.

The CashFlow 5-10-10-75™ App is ideal as a first financial "primer" for ages 17+. It acclimates our young people early, to wise spending and good financial stewardship habits that lead to wealth building, wellness, self-preparedness, healthy self-esteem, and regard for our common humanity. 

CashFlow 5-10-10-75™ is accurate and personal in revealing the user’s spending, saving, and giving habits, which have every impact on life-cycle preparedness, prosperity, resilience, and relationship wealth.

The "Bucket" allocation percentages cannot be changed...and that's a good thing!

If you find yourself maxing out your 75% living expense bucket and  “dipping” into your savings, community, and charity buckets, that’s between you and the app, and no one else. Many of us experience cash flow imbalance at one time or another!

CashFlow 5-10-10-75™ is intended as a financial education tool. It is not intended for use as a primary repository of your financial data or bank information.

Once downloaded, the app's core features work without Internet. This helps conserve data plan consumption by users, and remains fully functional without Wi-Fi.

How to Use your CashFlow 5-10-10-75™ App 

• There is no password required to ENTER. 

• To enable a password to protect access to your Income, Deductions, and Transaction Log Data, click on CREATE Password

• Enter a new Password and click SAVE NEW PW 

• To CHANGE Password, enter CURRENT password

• Enter your desired password, re-enter (Confirm) your desired password

• Click on “Save New PW”

• SELF-PREPARE to remember your password! This is an off-grid app. It  has no online Internet back-up or reset functionality! 

• If you forget your password, you’ll need to re-install the app and start over. We suggest using your latest actual bank balance as starting INCOME.

• ALWAYS leave the CashFlow 5-10-10-75™ App from the Login Page, or else the app remains Open on the Home Page, where everyone can see your business!

HOME SCREEN

• On first use, click on "RESET" to initialize all “BUCKET” balances to zero. The app is then ready to use.

• Subsequent use of this button resets income balances to zero. There's no UNDO!

ADD INCOME

• Add Income in text box, in USD format only. Enter Memo. Click ENTER. Your input is split into 5%,10%,10%,75% "BUCKETS”, as shown in the DEDUCT SECTIONS below.

CAVEAT: Entering an amount improperly may result in $NaN result and you will have to Reset and lose all of your previous entries!! Do not use any punctuation, other than the period "." to indicate cents,  i.e. 43.41

DEDUCT INCOME

• Add deduct amount and short memo in desired bucket, and click Deduct icon.

• Amounts will be deducted from total balance, bucket balances will be updated.

• User will be segued to the respective Transaction log.

• Hit the Back button to return to Home Screen

TRANSACTION LOGS

• The LOG record time and date of a Saving, Community Investment, Charity, or Expense entry.

• Click on a row to delete it, or slide right, from left edge to delete it. There is no Undo

• Slide left, from right edge, and click Delete All Rows, to delete all. There is no Undo.

CAVEAT: DELETING a transaction line item or deleting all records DOES NOT REVERSE the math, or alter the CURRENT BALANCES of your BUCKETS!

• The practice of CashFlow 5-10-10-75™ Financial Stewardship is not just for young people.

• Everyone can use CashFlow 5-10-10-75™ to improve their financial resilience in all seasons! 

• The original CashFlow 5-10-10-75™Excel Spreadsheet is available as a FREE Download at our Shopify Store