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Introduces a novel method for daily money management Presents an alternative to budgeting that features real-time adaptability and continual flexibility Improves awareness and control of finances Eliminates the surprise factor when receiving bills for credit cards or other debt Simplifies decision making regarding all purchases or expenses, whether planned or unplanned Provides the ability to instantly determine the impact of all purchases or expenses on your short and long-term financial picture Overcomes the challenges of budgeting, including the fact that budgets are updated only monthly, don't provide realtime adaptability, and are not adhered to for very long Provides one number with which to manage daily discretionary purchases and expenses Allows you to live comfortably in a lifestyle of spending based on your cash flow