Net worth is worthless - Cash flow is King!

“Cash flow is to retirement what kerosene is to a jet—necessary for continued flight.” -

Paul "Papa Charlie" Chinnis

Listen up, because I'm about to drop a golden nugget of wisdom that too many people overlook until retirement is staring them right in the face:

👉🏽 Net worth doesn't pay your bills in retirement. Cash flow does.

I’ve seen too many high-income professionals—especially pilots and business owners—strut into retirement with a million-dollar net worth but no idea how they’ll actually generate income. Their 401(k) is not what they expected, their equity is tied up in their homes, and their Social Security check barely covers the dues at the golf club.

Here’s the truth no one tells you:

💸 Your stock portfolio has no value until you sell.
💸 Your home equity is locked up if you don't have income to cover the payments.
💸 And your 401(k) is subject to the ups and downs of the economy.

But you can live off cash flow.

Whether it's from real estate, business distributions, or dividend-paying assets, cash flow is what keeps your lights on, your fridge full, and your heart at peace.

Retirement is not a finish line. It’s a transition—from working for money to having your money work for you. That’s the path to real freedom.

So here’s my advice to all you high-net-worth folks out there:

✅ Focus less on your holdings and more on your income streams
✅ Acquire assets that pay you monthly, not just look good on paper
✅ Think like a farmer: plant now, harvest later—again and again

Want to chat about building cash-flowing assets before your flying career ends? I’m here for you.

🧭 Because when you retire, net worth won't pay the bills. Cash flow will.

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