cashflow hierarchy

Rules

pipline

pipline > buckets

buckets 300%+ increase ROI > pipline when cash on hand is below 5k

only buy when cash on hand is available or cashflow positive after loan calculation

great to sell or flip

payoff loans asap

credit card is less valuable then loan

buckets

buckets 200% increase ROI > pipline when cash on hand is below 5k

are less valuable with indefinite time line

real estate

pipeline/buckets

apartment

plex

only buy when cash on hand is available or cashflow positive after loan calculation

great to sell or flip

cost:50,000
cashflow:240
downpayment: 8,000

6% monthly income increase

cost:60,000
cashflow: 300
downpayment: 6,000

condo

house

only buy when cash on hand is available or cashflow positive after loan calculation

great to sell or flip

cost:75,000
cashflow:300
downpayment: 7,000

cost:65,000
cashflow: 150
downpayment: 7,000

cost:50,000
cashflow: 100
downpayment: 0

land

buckets

wait for buyer or market opp

never buy land

business

buckets/pipeline

only buy when cash on hand is available or cashflow positive after loan calculation

partner

cost:30,000
cashflow:1500
downpayment: 30,000

automated business for sale

cost:200,000
cashflow: 2,700
downpayment: 40,000

start a company part time

buckets

cost:5,000
cashflow: 0
downpayment: 5,000

wait for buyer or market opp

intangible

buckets

stocks

always buy cheap stocks when payday is over 1,000

great when cash on hand hovers 5,000 and below

buckets

1:50

4900% increase from investment

1:40

3900% increase

bought:$1
sold at:30
cost: 716
profit: 21,480

2900% increase

1:20

1900% increase

1:10

900% increase

bought at:5
sold at:40
cost:1,000
profit: 20,000

700% increase

bought at:5
sold at:30

500% increase

1:5

400% increase

bought at:10
sold at:40

300% increase

bought at:10
sold at:30

200% increase

bonds

pipeline

never buy bonds

cost:5,000
cashflow: 20
trading range: 5,000-5,000
shares owned:

paying off debt

pipeline

high certainty to increase payday

time frame dependent on cash on hand
sell a property
wait for payday

every 1k payoff
the smaller the monthly income the higher percent increase

1000 to 1100 monthly income = 10% increase

3000 to 3100 monthly income = 3.33% increase

4000 to 4100 monthly income = 2.5%

4000 to 4600 monthly income = 10% increase

credit card

pay off avg 7% increase in monthly income
you have to pay it all off in game
standard 3,000

gold

wait for buyer or market opp

never buy gold