Are you a spender, saver, or a good steward of your money?  Are you financially free? The secret to financial freedom is not zero debt, that’s being completely unrealistic!  Debt is a necessity of life in our society today.  The real secret is Cash Flow! Join me as my guest, Chris Miles, the Cash Flow Expert (http://www.moneyripples.com/), and I discuss all of the things that you need to understand about the relationship between debt and cash flow. Learn the step by step process to find more cash in your life. Some of the topics we will be discussing include: * Forget about a budget!  Design a spending plan… * Don’t overpay on taxes… * Increase your business expenses and net more actual cash… * Reduce your insurance premiums… * The correct way to pay off debt… * How to find ways to save for a down payment on a home (http://www.karensimpsonhankins.com/)… * And much, much more… It’s not about living from paycheck to paycheck or saving all the time and never spending anything.  It’s all about your money mindset and understanding that we were designed to spend!  Spending money brings growth to your life and to your community, the important thing is to spend money correctly and soon you will be financially free!