In our culture, people tend to expand their lifestyle up to the limit of their cash flow.  Whether abundant or more humble, more money usually means nicer homes, newer cars, and more expenses.  Discretionary income is your financial power, your “stored work energy” that you decide not to spend before you even have it.  Someone young and intelligent, with a good skill set, good job, and disciplined spending habits, can accomplish enough savings-growth in 20 to 30 years to retire 15 to 20 years before 67, or perhaps fund their own company!  What if you knew how to do this when you were still in your 20’s?  What if your significant cash flow could help you catch up?

Contact me and we’ll begin that conversation:  PH: 209-651-0809 or


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