Don't pay off that credit card

If you do this instead, it will free up even more cash flow ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ I spent many sleepless nights trying to figure out a way to climb out of the financial hole I was in. If you've ever had that racing-mind feeling where your brain just will not shut up—that was me for months. I kept running numbers through my head trying to come up with ideas. I was playing Robert Kiyosaki's board game, Cashflow 202, which is like Monopoly on steroids. Essentially it's a game all about managing your finances, investing, and managing debt. It was then that I had an epiphany. I saw a better way that I could pay off debt and free up cash flow. I created what I call the Cashflow Index. It's a calculation that shows you what debt to pay off first in order to free up the most cash flow. If you follow Dave Ramsey, he is all about paying off that credit card and cutting it up. But I discovered paying off your credit card might be a huge mistake. Let's say you have a credit card balance of $10,000, and you have a minimum payment of $200. You also have a car loan of $10,000 but your minimum payment is $500. Which one would you pay off first? The Dave Ramsey crowd would jump on that credit card, but if you pay off the car loan, you free up $500 per month versus only $200 for the credit card. I showed my Cashflow Index to a client who was working as a chiropractor six days a week trying to catch up on his debt. He had no time for his wife or kids. After we ran the numbers, he refinanced his home and used the extra money to pay off some of his lowest index debts—the ones that would free up the most cash flow. We saved him $6,000 a month in loan payments. What did they do? They went out and bought a $6,000 four-wheeler. Dave Ramsey would be fuming! But you know what? His wife told me that four-wheeler changed their lives. Her husband is now only working four and a half days a week. He spends his weekends with his family tooling around on their four-wheelers. So it's okay to reward yourself now and then. Can you imagine what your life would be like if you freed up $6,000 a month that you could apply to any number of things? Pay off other debts faster, invest in cash-flow-producing investments, reward yourself with a vacation now and then… The Cashflow Index is only one of the things you'll learn about when you pick up my Cashflow Secrets video series for only $97. That's why I say it will pay for your Christmas. Because the money you'll learn to free up will be money you can use to not just buy stuff—but it will give you more family time. More peace of mind. And more time to focus on the things in life that really matter to you. Give yourself an early Christmas present by picking up Cashflow Secrets right now: [LINK]( Chris [CASHFLOW CALCULATOR]( [INFINITE BANKING]( [CASHFLOW CONSULTING]( [Facebook]( [Instagram]( [Youtube]( Sent to: {EMAIL} [Unsubscribe]( Money Ripples, 2503 S 800 W, Mapleton, United States