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Cash Flow Mapping for Physicians and Small Business Owners

September 15, 2022
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Physicians and small business owners need better cash flow optimization tools than just
budgeting software. Budgeting tools are really just expense tracking tools, and expenses are
only part of your monthly net income number. By only relying on monthly budgeting, even high
income individuals like physicians and business owners can often feel they do not have enough
cash flow and that their finances are out of control.

A service that helps individuals feel more confident in their monthly income is called Cash Flow
Mapping. Cash Flow Mapping is a service that Huskey Financial can provide to help you figure
out your true monthly net income number so that you can make smarter investments and
understand exactly where your money is going instead of where it has been.

Take control of your finances

How much monthly income are you actually earning? If you do not know the answer to that
question, regardless of your salary, you need Cash Flow Mapping.
Traditional budgeting methods view cash flow by looking backwards. Cash Flow Mapping is
forward-looking and is based on discipline and logic. Instead of looking at where your money
went, this tool looks at where your money is going, helps determine your real net monthly
income, and provides you with a roadmap to financial success.


Know where you are saving money

After Cash Flow Mapping establishes your real net monthly income, it will also let you know
where you are saving money and what your expenses are. Your Cash Flow Map will outline:

  • Short-term savings
  • Long-term savings
  • Fixed expenses
  • Variable expenses


Small business owners need to understand the difference between business and personal cash
flow. They also need a tool to help them optimize their personal cash flow so that it works for
them while they are working for their business.

The same is true for physicians. Physicians need to know that their retirement is being prepared
for and their investments are sound. Cash Flow Mapping will help them do that and more by
providing a real-time picture of their income, expenses, and savings.

Huskey Financial can help you understand the dynamics of cash flow by setting you up with our
Cash Flow Mapping service to help you optimize your income and take control of your finances.
Excerpt: Traditional budgeting methods view cash flow by looking backwards. Cash Flow
Mapping is forward-looking and is based on discipline and logic. Instead of looking at where
your money went, this tool looks at where your money is going, helps determine your real net
monthly income, and provides you with a roadmap to financial success.