Streams vs. Chunks

How does your income flow? As we learn to master our money. It becomes important to know where our money comes from. Do you have a job or do you own your own business? Do you receive a salary or do you work on commission? Do you pay yourself a steady paycheck from your business or do you pay yourself from your profits? It doesn't matter how you hustle. What matters is that you work with the way your money flows. You can still practice your Financial Diet. You can still Pay Yourself. It's okay if you're paying yourself every two weeks, every month, every quarter. The main thing is that you are practicing The Habits.

Does cash come to you like a stream? Steady. Regular.

Or does your cash come in chunks? Periodically. In big juicy pieces.


Many of us, especially as employees, receive our income in a steady stream. Every two weeks we receive our paycheck. We Financial Diet. We Pay Ourselves. Every year, we get at least 25 chances to practice good money habits. Every time we get paid, we grow closer to making The 5 Habits of Money... our habits. This is our advantage when we receive our income in a steady stream.

Many of us as business owners and salespeople only get paid when we sell something. Sometimes, after we sell, we still don't get paid right away. Sometimes we need to wait till our product is delivered or installed. Sometimes we need to wait till our invoice or commissions get paid out. Our income is more sporadic. Some months, huge chunks of money come in. Other months, those "chunks" look like little pebbles of cash.

May I suggest...

1. If your Hustle comes in a steady stream, I'd like to suggest that you work on a side hustle that will produce cash in chunks. If you've been at your job for a while and you feel like your on cruise control, then now is a great time to work on a Side Hustle. Start with what you like to do. Turn your passion into profit. Move from being a hobbyist to becoming an expert.

2. If your cash comes in big chunks, I'd like you to think about how you can turn part of your cash into a steady, passive income stream. Depending on how much you receive each time you get paid, you could start Pimpin Your Dollars right away.

It doesn't matter how you Hustle. It is important that you realize how your cash flows. And that you continue to practice The 5 Habits and eventually master your money.

get your hustle on!!!

I'm broke. All my investments are shit. I'm in debt. I've got credit card companies calling me everyday. Mortgage companies are calling me everyday. I've got a couple foreclosures on my credit. It's one thing to teach you The 5 Habits of Money. It's a completely other thing to be LIVING The 5 Habits. So I'm starting over. Lead by example. I'm living the 5 Habits starting with the first Habit: HUSTLE: make money any way you can.

How is your HUSTLE?

What are you doing to get your money ON?

Do you have a job or do you have your own business?

Is there a cap on your income?

How can you earn more money doing the same thing you are doing?

Do you like what you are doing?

Is your heart in it?

Are you making enough?


What am I doing to HUSTLE?
I got a job as a Direct Sales Rep with Comcast. It pays a salary and commission. I'm offering myself as a customer's personal concierge to Comcast. Questions, additions, or subtractions with service. Anything relating to Comcast and its products, I can help with. What I offer is to help customers reduce their Comcast bill by helping them get on a multi product discount or promotion.

How am I doing with this HUSTLE? Good question. I must admit that over the last 2 weeks I have learned so much just shadowing my coworkers. Everything I didn't learn in classroom training, I've learned from "the guys." My goal is to become a customer resource for all Comcast related issues. I'm positioning myself as "THE Comcast guy."

Any other HUSTLES? Not at the moment. I know myself. I know that I need to concentrate on one thing at a time. Believe me, I've tried doing multiple things at the same time. Example: Real estate investing, stock investing, writing a book. I end up performing horribly. What I know I should do and what I do are two separate things. I don't always do what I know I should do. But that is changing. I'm sticking to this MAIN HUSTLE. I'm quickly learning the ropes. Everyday I'm getting better and better. I'm able to help a greater amount of people. Soon I'll be the best at what I do. At that point, I know that my income will increase proportionately. I can pay off all my debt. Get back to even and start working for me again.

If you are in a similar situation. (hopefully not as bad as me) I'd like to offer you this......No matter how bad you think your money situation is, it's only money. You still have your health, your life, and people who and support you. It's not your fault that you are in the position you are in. Especially if you were never taught the right way to deal with money. The most inspiring thing about you is: Everyday you can do something to make your life better. You can change. You can get out of the rut you are in. And create the life you know you deserve.

My friend, hope is all we have. The definition I use for hope is "confident expectation." Confidently expect good things out of life. As always, I'm here to help.


What are some money problems you are facing now? What are some things you are doing to face them?