A lot of attorneys earning $300k feel stretched. It's not a personal failure. It's what happens when no one has actually mapped where the money is going.
Most high earners have never actually mapped their cash flow. They know the income number. They feel the tax bill. But the space between those two points is largely unmapped territory.
Student loans. A mortgage. Lifestyle that grew alongside the salary. Family members who need help. Savings that are inconsistent because there was never a system. The result is a $280,000 income that somehow still leaves you tight at the end of the month.
That feeling has a name: income leakage. Almost every attorney we work with has it, and almost none of them know exactly where it's coming from until we show them.
Cash flow planning is not budgeting in the spreadsheet sense. We're not asking you to log every coffee. What we're building is a system that directs money intentionally, so savings and debt paydown happen automatically, before discretionary spending absorbs what's left.
Four pieces, built together. Each one feeding into the next.
A full picture of income, fixed expenses, variable spending, debt obligations, and savings. Most clients find $1,500 to $4,000 in monthly leakage within the first 30 days.
We calculate the exact savings rate needed to hit your retirement and wealth targets, then build a system to reach it automatically, not aspirationally.
Student loans, mortgage, car notes. We model multiple payoff scenarios and integrate them into your broader financial picture rather than treating them in isolation.
How much to hold, where to hold it, and how to build it without derailing everything else. A specific, targeted reserve, not a vague rainy-day account.
A senior associate at a firm in Chicago came to us earning $290,000. After taxes, her take-home was around $175,000. She was paying $2,800 per month in student loans, had a $4,200 mortgage, was sending money home to her parents every month, and had less than $8,000 in savings.
She felt like she was doing something wrong. She wasn't. She had never had a system. We mapped her full cash flow, identified $2,200 in monthly outflows that were either redundant or unintentional, restructured her student loan strategy, and set up a $4,500 automated monthly transfer to savings before she could spend it.
Book a 30-minute discovery call. We'll walk through your current picture and show you what a cash flow system built for your income actually looks like.