Watch our introductory video to learn the history of cash management and why we created the First Step Cash Management system.

Watch Video

Mastering Cash Flow

The Key To Financial Success
The key to financial success is adopting a cash flow plan that will guide your financial decisions on a day to day basis. In addition, understanding and controlling how money flows in and out of your life will free you from financial stress and empower you to achieve your most important life goals

Read more

Happy Money

The New Science of Smarter Spending
If you think money can’t buy happiness, you’re not spending it right! At least, that is the conclusion of researchers Elizabeth Dunn and Michael Norton, two rising stars in of the world of behavioral science.

Read more

Welcome to First Step Cash Management

The First Step Cash Management System™ is an operating system for making decisions about life and money. It is a simple and effective way to manage expenditures, reduce debt, increase savings, and fund important life goals. With First Step, income flows into three "buckets", with each bucket having a specific use or purpose.


Past Commitments: what you spend, on a monthly basis, to cover regularly occurring expenses like rent or mortgage payments, utilities, gym membership fees, and other commitments such as credit card debt and car payments.

Present Choices: what you typically spend, on weekly basis, to cover your unique set of lifestyle expenses such as gas, groceries, eating out, entertainment, and recreation.

Future Needs and Wants: what you save, on a regular basis, to protect yourself from the unexpected, fund special purchases and events, and achieve your short, intermediate, and long-term financial and life goals.