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If Rick could nail his marketing strategy and get clients, his Cash Machine could be a $250,000 business that
potentially generated $120,000 of pretax income in the first 10 months of business after paying his contractors. Plus,
the Cash Machine gave Rick another business against which to manage his expenses and his tax strategy. I also
suggested that Rick put $1,000 a month from the business into three separate educational savings accounts to fund
his children’s college tuition, for a total of $3,000 a month.
Finally, we focused on Debt Management . Rick’s mortgage was at a low 5 percent interest rate leveraged against
a continuously appreciating asset. We were going to leave that alone. Rick had no credit card debt, and I would just
suggest to him that he continue to manage this process in the way he’d been doing.
Now it was time for Rick to lead his wealth—to fully incorporate the Leadership building block. Because Rick
was already making a good salary and had shifted some assets to create a nice bit of passive income, keeping up the
momentum would be his biggest challenge.
Conditioning was a key factor in how Rick would manage his Wealth Cycle. Rick’s father had worked for a
company his whole life and Rick was comfortable with that model, and so was his wife. His courageous shifting of
assets was already the subject of a difficult conversation with his wife, but it was a good thing that Rick and his wife
were now having these conversations. However, for Rick to (1) take advantage of the depreciation of his real estate,
(2) better utilize the $50,000 sitting in his company’s stock, and (3) lead and build his team and generally focus
more time and attention on his Wealth Cycle, he was going to have to leave his job.
To make him more comfortable with this inevitability and manage his Wealth Cycle properly, Rick needed
Teamwork . He needed a coach to help him create a weath plan, a mentor to support him in the process, field
partners in oil and gas, real estate, and small businesses to find those direct and diversified asset allocation
opportunities, a CPA who understood entity structuring, a bookkeeper to help with the forecasting, a good lawyer
for the paperwork, and a supportive wife. The man was going to be immersed in the world of team building.

Taking Charge
Without leaving his job, Rick now had the capacity to create $18,400 a month in additional revenue as well as build
his net worth—a task accomplished by just a quick shifting of assets and the infusion of a Cash Machine. With the
entity structure and Wealth Account in place, Rick would be in a position to retain and recycle a lot of that income
to accelerate his Wealth Cycle. The Wealth Cycle can’t be inactive. In order to flourish, it must grow, and this
means more and more streams of income must feed it. As we saw with the Leonard family and now with Rick, one
great source of fuel to accelerate the Wealth Cycle is a legitimate business venture—soon to be the Cash Machine.