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

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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.