In this guide, I will explain what data goes where and how to put it in as easily and quickly as possible. I won’t talk about doing a flip yet. That will be another post very soon.

Data the System Tracks

Here’s what data the system needs from you:

• Payments

• Contributions and boosters

• Credit line transactions

• Unpaid Balances by category

The Income Machine Tracking System contains data entry on a few tabs:

• Enter payments on the Payments tab

• Enter Contributions and boosters on the Contr_Boost tab

• Enter credit line transactions on the LOC Tracker(s) (LOC Tracker tabs have names like, LOC-RF1, LOC-RF2, where RF are my initials. Sometimes, instead of initials, I use a label for the bank or credit union where I have the credit line. For example, LOC-Ent or LOC-M1Core.

• Enter current balances of Unpaid Balance by category in UPB trackers. UPB tracker tabs have the following names: Liquid_UPB, Illiquid_External_UPB, Illiquid_Internal_UPB, and Illiquid_Leverage_UPB.

Enter Payments

Payments are the easiest to enter if you’ve sorted your payments table correctly.

Since we’re not doing a flip right now, the payments to enter are payments you have already entered before. Even new payments, if you flipped last month, have rows in the table for upcoming payments if you completed your flip procedure.

Sort the Payments data table so that it’s ready for easy data entry.

1. Select the whole Payments data table, including headers at the top and including the comments at the right end of the table. Don’t select any columns to the right of the comments.

2. Click Data -> Sort Range -> Advanced range sorting options

3. Select “Data has header row”

4. Select “Date” and A to Z

5. Click Add another sort column

6. Select then by “StreamID” and A to Z

7. Click then by “Pmt Num” and A to Z

8. Click Sort button

Now you’re done sorting. Navigate to the cell at the end of the blue text in the column Payments Received. You will see that the rows for your next month’s payments to enter are all together. Here’s how to enter payments:

1. Enter payment amounts one by one. Or you could even copy the payments received from last month and paste them in.

2. Then edit any payment amounts that differ from last month (e.g., Prosper payments).

3. Enter the actual dates received for each payment. To enter dates for these payments quickly, you could enter the first date and then just copy down (with the date to copy seleted, Ctrl-Shift-DownArrow, then Ctrl-D).

4. Enter the name of the credit line where you sent each payment in column to LOC. The name of the credit line is the name of the credit line tracker tab in your template. If you use only one credit line, then just copy the name of the credit line from earlier payments. If you use multiple credit lines, then make sure you use the correct credit line tab name for each payment.

5. If you want to enter any comments about a payment, enter those in columns Action (column Z) and Comment (column AA). Data in these columns are not used anywhere else, so you can enter anything you want for your reference.

Your entry of monthly payments received is done!

Double check the payment amounts are right. I always have to edit my Prosper payments because they change every month. Double check the dates for each payment. (To be honest, I just put my payments on the first of the month all the time; however, I have found myself confused later on when I have multiple payments with the same amount and wasn’t sure which payment went where.)

Enter Contributions and Boosters

Most Money Dates, I have one contribution payment and no boosters, so one transaction for this tab. But you can have as many contribution payments split over the month going to one, two, or three different credit lines. You can also have as many boosters going to various credit lines. Track copycat boosters here, too, but I will describe how to add copycat boosters in another post.

Navigate to the tab Contr_Boost. For each contribution or booster, here is the process:

1. Navigate in column Date Received downward to the cell after the last one that has blue text in it.

2. Enter the date received for the payment.

3. Enter “Booster” or “Contribution” as appropriate in column Type.

4. If you want to track any planned amount separate from actual amount, then enter the planned amount in column Planned. (This field is not used anywhere for analysis as of this post, and Income Machine Tracker version 2.3.3 .)

5. Enter the amount of the payment in column Payments Received.

6. If any portion of this payment was borrowed, then enter that amount in the column Payment Leveraged. Most of the time, this is zero, but if you use policy loans for contributions or payments, then enter the borrowed amount of the payment here.

7. In the column to LOC, enter the name of the LOC tracker tab where this payment went. The name of the credit line is the name of the credit line tracker tab in your template. If you use only one credit line, then just copy the name of the credit line from earlier payments. If you use multiple credit lines, then make sure you use the correct credit line tab name for each payment.

8. If you want to enter any comments about a payment, enter those in columns Action (column J) and Comment (column K). Data in these columns are not used anywhere else, so you can enter anything you want for your reference.

9. Repeat this process for all contribution and booster payments you made.

Update LOC Trackers

If you have entered your payments, contributions, and boosters for the current month, then updating your LOC trackers is easy.

1. Copy the rows from the previous month.

2. Paste the rows below the previous month. (I like to add a few blank rows between months of data.)

3. Update the month number in column A. (The month number refers to the month since you started your income amplifier.)

4. Update the dates of your transactions in column C. (Dates of payments, contributions, and boosters are not copied in as of version 2.3.3.)

5. Edit descriptions of transactions if you wish.

6. Update the interest and fees in column E.

7. Add any transfer amounts in column F (but not for flips or payments - those are automated). (Example: If you used your credit line to pay a bill or receive a reimbursement that isn’t an income amplifier transaction - payment, contribution, or booster).

8. The list of active income sources streamIDs should have been copied into column H automatically. All active streamIDs should be there, including streamIDs for payments made to other LOC trackers. Any payments made that were not sent to this LOC tracker show up as zero (since the payment was sent elsewhere. This way you can check that payments were not mistakenly sent to the wrong LOC tracker.)

9. Check that your contribution amount was copied in correctly in column I. If it’s wrong, double check that you entered the correct amount, date, and LOC tracker tab name on the Contr_Boost tab.

10. Verify that the payment amounts for each StreamID are correct. If not, double check on the Payments tab the date, amount, and LOC tracker tab name is correct for each payment entered.

11. If you have boosters, then add a row to this month if there isn’t a row for boosters already. Then copy the formula in column L to the boosters row. Verify that the amount is the sum of all the boosters for the current month sent to this specific credit line.

12. If you have copycat boosters, remember, copycat boosters don’t affect your LOC tracker because copycats are funded from elsewhere.

LOC Tracker Updates for a Flip

If you are doing a flip this month, then add the new income source(s) and streamIDs to the Income_Source_List tab. Then update your LOC tracker as follows:

1. Add a row in the current month and fill in the date and description for your flip.

2. Copy the formula in column G to the row that describes your new flip.

3. Verify that column G shows the correct streamIDs for your flip. StreamIDs for all income sources for the new flip should display.

4. Verify that column J displays the correct flip amounts that you funded from this credit line. Amounts that were funded from other credit lines display on other LOC tracker tabs. The LOC tracker displays the streamID for income sources funded entirely from a different credit line, but the flip amount displays as zero.

Reconciling Your LOC Tracker with a Bank Statement

1. Verify that the balance on your LOC Tracker in column O is the same as the balance on your statement. Mark all the transactions above the balance that matches with an “x”.

2. If you make any changes to earlier data, your balance might not reconcile anymore.

Multiple Credit Lines

If you are using multiple credit lines, then follow the same steps for each of the credit lines you are using.

Update UPB Trackers

For each of the four UPB tracker tabs: Liquid_UPB, Illiquid_External_UPB, Illiquid_Internal_UPB, and Illiquid_Leverage_UPB, enter the current balance from your statement or online accounts.

Liquid_UPB corresponds to balances from incomes sources, like Income Funds. Navigate to that tab and do the following:

1. Enter the balance of your investment holdings in column M.

2. If you keep a cash balance separate from your investment holdings that is specifically for this portion of your UPB, then enter that cash balance in column L.

3. If you keep any other balance separate from your primary investment and cash accounts (called a “hold store” - example, perhaps you transferred some of your UPB to hold it long term somewhere else, like a whole life policy.) Then enter that balance in column N.

Do the same for tab Illiquid_External_UPB, for balances, like Prosper or other external income sources (payments come from a source that’s not you), and that are not liquid (you don’t have access to the assets to liquidate.)

For tabs, Illiquid_Internal_UPB and Illiquid_Leverage_UPB, there shouldn’t be any data entry for balances if you are making your payments as planned. These are internal income sources, so no market volatility. If you are not making payments as planned, then the UPB will be calculated based on the payments you actually make or don’t make. No balance edits are needed. If you keep a cash account balance for making payments that is specific for these categories, then update those balances if you wish.

Money Date Conclusion

Your Money Date process is complete with the steps above.

Let me know any questions you have about your situation.

Contemplating Changes to Your Income Amplifier Plan

Your Income Machine Tracking System includes one or more tabs to model an income amplifier. With a few settings you provide, these modeling tabs calculate how an income amplifier behaves, and you can view tables and graphs of monthly cash flow, unpaid balance, debt service coverage ratio (DSCR), cash flow rate, and much more.

By changing settings in the model, you change the behavior of the system, and you can see the results and compare them to another model or even the data collected for your actual income amplifier. Here are some of the ideas you can try.

Your model tab has a name, like Model_XXX and another, like Model_YYY. (You can have as many copies of the model as you want, but you might need help setting it up. Let me know if you want help.)

Here’s the the model tab looks like. In this case, the model tab name is Model_BB which I created when I made this template for a subscriber.

In this template, there are two model tabs, Model_BB and Model_BB2. You can make any changes to settings you want on these two tabs and then compare the results.

Settings you can change are in blue cells and have blue text.

Do not change any formulas or column titles, or your system might break.

Changing Model Settings

When I talk about making changes to your model, I am not talking about making real changes to your real system. I am talking about making changes to the model that make calculations and allows you to see data tables and graphs. Making changes to the model settings does not affect your tracking system in any way. Making changes to the model settings doesn’t mean you have to change anything about your real system in real life. Changing model settings is just for seeing what happens months or years down the road so you can play around and imagine “what if” as much as you want.

Furthermore, you can compare changes in one model to a another model, perhaps your original plan as a baseline, or perhaps a completely different set of changes.

It is also possible to compare a model to your real system performance and behavior.

Viewing Model Output

Several tabs in your tracking system display data tables and graphs of the model tabs. Any changes you make to settings change the calculations, and then the “reporting” tabs show the results. I will explain how to view results later in this post.

Next, let’s see how to change model settings.

How to Adjust Monthly Contributions

You can change your monthly contribution amount in your model in any month you want. The model assumes your intent is to change the monthly contribution to the new amount for every single month going forward until you change it again or stop the system.

To make this change, simply find the column Contribution Reset (column G), and navigate downward corresponding to the month and year in the column Date (column C). Then enter the new amount you wish to contribute each month. After the system recalculates, the projections for your system are reflected in the model. You can view the changes on any reporting tabs, such as Plan Summary, Plan Schedule, Plan Comparison, and others. (More details later in this post on how to customize your view of the model results.)

Boosters

There are several ways to use boosters.

One-time Boosters

To add a one-time booster, just enter the amount of the booster at the desired month and year for the setting LOC Boost (column L). This adds a payment to your line of credit in that month and year only, and it assumes you are adding your own capital, not borrowed capital.

A Booster Series

A booster series is a set of payments of one amount you specify to begin on a particular month and to end at a particular month. All payments go to your line of credit.

For example, to booster $300 each month for 10 months, starting April of 2025, do the following:

1. Find the row for April 2025 in column Date.

2. In that row, enter 300 for the setting Monthly Boost Reset. You do not have to enter $300 for any following months. The system assumes the booster will continue until it finds a new change to the setting.

3. To end the booster series, enter 0 for the setting Monthly Boost Reset for the month after the last booster payment you intend to make. For this example, the tenth payment would be made February of 2026, so the setting to end the booster series would be 0 placed in month March of 2026.

Note there is no limit to the number of booster series you can add or change. You can have a break and then another series later with a different amount, and you can have just about any combination you can think of.

Copycat Booster

A copycat booster adds an amount to your unpaid balance with new monthly cash flow payment at your cash flow rate setting to your line of credit.

To add a $10,000 copycat booster to your plan, starting May 2025, follow these steps:

1. Find the row for May 2025 in column Date.

2. In that row, enter 10,000 for the setting Copycat Boost (column K).

To verify the copycat booster, you can check column New Invested for month May 2025 for the value ($10,000). (If you have a new flip the same month, then you would see that the New Invested value is the flip amount plus the copycat amount.) The column New Cash Flow will also show a new cash flow payment of $300 in the month following the copycat, June 2025 in this example. (Note: The settings for Loan Constant (columns V-Z, covering all different asset and income source types) is 3% in this example.)

Pre-Flip Boosters

When I’m close to the next flip, I almost always boost to get to the next flip a month earlier. Let’s think about the process. Every month, you have your monthly contribution and your monthly cash flow. I make my contributions and cash flow payments near the beginning of the month. If my credit line is fully paid as a result of those payments, I will flip immediately.

If my contribution and regular cash flow payments leave the credit line just short, then I will boost and flip immediately.

Looking at the column IRIS LOC Balance, find a cell where the balance is low, but still negative. How low? First, there is a setting in cell BL4 with a negative number, say ($1000). The model assumes that if the balance is smaller (closer to zero), than that amount, then it’s time to flip. It doesn’t wait until the balance is actually zero or above. It flips slightly early, but it does not add a booster. It just flips early, which means the LOC balance after a flip potentially could be larger than the flip size. The amount remaining on the credit line balance before the flip is still there. For modeling purposes, to get to the next flip, your booster only has to put the balance past that ($1000) threshold. (You can change that threshold to whatever you want for flipping early.) For the purpose of your real system, you simply decide whether you want to flip early (the credit line balance is not quite zero), or you want your booster to make the credit line zero.

To summarize the steps,

1. Find a low credit line balance (close to zero but still negative) in column IRIS LOC Balance. This balance should be above the threshold (farther from zero) for flipping early, cell BL4.

2. If desired, adjust the threshold for early flipping in cell BL4. It’s ($1000) by default, but you can change it to anything, including zero (no early flipping).

3. Add a booster amount in column LOC Booster in the same month as the low credit line balance you found.

The next flip and New Invested will be in the following month. (I don’t have a way yet to make the next flip happen in the same month - technical spreadsheet stuff.)

How to View Model Results

Your template includes several reporting tabs for viewing results.

• Plan Summary

• Plan Flip Schedule

• Plan Comparison

• Flip Schedule Compare

• Plan vs Actual Summary

• UPB Allocation Report Actual vs Model

• UPB Report Actual vs Expected

• Cash Flow Source Report Actual vs Model

• FlipSchedule

(I am still working on which tabs are most useful. Your feedback is welcome! It is possible to create more reporting tabs and customize exactly what data and graphs you wish to see.)

Plan Summary

To view model results, navigate to the tab Plan Summary.

If you are using more than one model tab, make sure cell B1 on this tab has the name of the model tab you want to view. (The text of that cell must match the model tab name exactly!) The Plan Summary tab displays the results of any model tab with any changes to settings as long as the model tab to display was copied from the original model tab in your template, and the column names have not been modified.

Plan Summary includes several graphs. The horizontal units is months.

• Unpaid Balance, Contributed Capital, and My Capital

  • Unpaid balance is the line on top.

  • Total Contributed Capital and Total My Capital are the same unless you use leverage for contributions. If you use leverage, then Total My Capital will be less than Total Contributed Capital.

• Temporary Cash Flow and Monthly Contributions

  • Shows a flat line for monthly contributions and the exponential growth of your monthly cash flow payments. (Of course, the flat line for contributions changes if you have changed the settings!)

• UPB Equity Multiple of Contributed Capital and My Capital

  • UPB Equity Multiple of Contributed Capital is the total Unpaid Balance divided by the total amount of capital contributed. The whole point of the income amplifier is to grow your UPB faster than simply saving your capital. The line should be going up, and it should be exponential, not a straight line. Your UPB equity multiple is amplifying.

  • If you use leverage for contributions, then there are two lines. One is the multiple of all contributed capital. The other is the multiple of your capital.

• Compound Growth Rate of Contributions and My Capital (XIRR)

  • Displays the annual compound growth rate of all contributed capital and your capital (separately only if you used leverage for contributions).

Changing the Time Period of the Data Table and Graphs

The model calculates for 180 months. You can customize the range of months to view by changing the blue text in the Date column (column A) in the data table below the graphs. The default time period is 180 months, and each row samples the data from the model at the month number indicated in the cell. By default, the data table takes data from the model by year: months 0, 12, 24, 36, 48, etc. You can change the month numbers in the Date column.

• To zoom in on data for the first 3 years, you could enter the following:

  • Enter 0, 1, 2, 3 vertically in the first 4 cells of the Month column (cells A66-A69) below the graphs

  • Then select the 1, 2, 3 cells (cells A67-A69)click and drag to extend the values down to cell A96.

  The table should show blue values 0-30 in the Month column, and the data should have been copied from the model. The graphs automatically update with the data in the data table.

To return the data table and graphs to the annual data and the full 180 months, edit the Month column to have the values: 0, 12, 24, 36, 48, etc.

1. Enter 0, 12, 24, 36 vertically in the first 4 cells of the Month column (cells A66-A69) below the graphs

2. Then select the 1, 2, 3 cells (cells A67-A69)click and drag to extend the values down to cell A81.

3. If you extend too short (by letting off the mouse button before you go down far enough, just extend again until you get to A81.

4. If you extend too long or if there are month numbers after the data you want to graph, just put dashes in all the cells from A82-A96. DON’T delete any formulas in the rest of the data table.

Quick way to fill down dashes:

1. Enter a dash in cell A82.

2. Click on cell A82.

3. Hold Ctrl-Shift-DownArrow; Let go of Ctrl-Shift-DownArrow

4. Press Ctrl-D to copy down the dash to the selected cells

Here’s what the data table looks like after returning the timescale back to every 12 months.

Seeking Testers

I am seeking testers from the Epic Wealth group. I have a few folks from my own Epic Wealth accountability group that has been running for 2 years and a few others interested. If you are in the Epic Wealth program, and you are running your LOC Tracker successfully, then my system might be helpful.

To learn more, contact me directly.

Features of Income Amplifier Tracking System

Tracking for Each Income Source

• Unique income stream identifier for each income source

• Invested Amount

• Income source type (external, internal, liquid, illiquid)

• Supports multiple income sources for each flip

• Supports funding of an income source split across 1-3 credit lines

• All the expected things: dates, term, interest rate (cash flow rate), payment source,

• Notes for transfer process, investing process, and more

• Report tab for each income source: all characteristics, current status, payments received, unpaid balance, expected and actual amortization schedules

Tracking for Contributions and Boosters

• Includes what you would expect: contribution and booster payments received, dates,

• Supports 3 credit lines - so specify which payments go to which credit line

• Supports leverage of contributions and boosters - if you borrow to make contributions or boosters, then it tracks the difference between contributed capital and your capital. (I did this because the main source of my contributions from the beginning was policy loans).

Payment Tracking

• All payments for all income sources are tracked on one tab.

• Tracks expected payments, too

Line of Credit Tracker

• Line of credit tracker for each of 3 credit lines.

• Pulls the data from other tabs, so you don’t have to enter data twice.

• A summary of all credit lines together is kept and reported

Unpaid Balanced Tracking

• The actual and expected unpaid balance (UPB) is tabulated, so you can see the UPB stack

• UPB is tracked in categories:

  • External-Liquid (like Income Funds)

  • External-Illiquid (like Prosper)

  • Internal-Liquid (not applicable)

  • Internal-Illiquid (like Debt to Wealth)

  • Internal-Leverage (subset of Internal Illiquid, specifically for Debt to Wealth used to pay interest on leverage contributions and boosters)

Cash Flow Tracking

• The actual and expected cash flow stacks from your income sources

• Actual and expected payments, cash flow rate, and cumulative cash flow by income source category (external/internal/liquid/illiquid, etc.)

• Some income source comparison data, e.g., finding refinance opportunities

Additional Unpaid Balance Tracking by Category

• Complete tracking of actual UPB balances by category. For example, M1 and Prosper balances change based on markets or rates or defaults, etc. So you can see if your UPB is above or below what you would expect if payments and balance changes were proceeding perfectly.

Unpaid Balance Report - Model vs. Actual

• Unpaid balance model vs. actual chart

• Unpaid balance by income source category model vs. actual charts

Flip Schedule Report - Model vs. Actual

• first 10 flips: date, month number, and amount

• Model vs. actual charts for flip amount, temp cash flow, UPB, debt coverage ratio, cash flow rate, and equity multiple

Savvy Cash Flow Tools will not spend much time discussing the concepts and methods because the best training we know about is the Epic Wealth program provided by George Antone’s company, Fynanc. Some of the ideas from Epic Wealth are discussed in the section Savvy Wealth Tools, but the main purpose of Savvy Wealth Tools is to provide insights and tools related to personal development and decision making. That work will enable you to discover, try, and create more of what will lead to the wealth, life, and peace you want.

I created the tools described in Savvy Cash Flow Tools as a way to solidify and grow my own knowledge as a budding student in the Epic Wealth program. I love figuring out how things work. I can’t help myself! I like to create models and systems and see what happens when I change this or that. And after I’ve discovered something, then I love to explore what else can I do with it… One of the results is this system I created.

The Income Amplifier Model and Tracking System

I have created a model for the Income Amplifier for the individual wealth builder who is growing an Income Amplifier. Whenever I write about the “Model,” I mean my Google Sheets version of IRIS, which is George’s advanced technology. Mine is a poor adopted cousin to George’s, but to the extent that I understand how the Income Amplifier works, my model has fairly captured the real life performance of my own Income Amplifier. As more wealth builders adopt these tools, I will continue to tune the model as needed. That said, I would never suggest using my model as a replacement for the custom plans we get through the Epic Wealth program. I don’t know what I don’t know, but I never stop learning, either.

Warning: If you use my Model, don’t use it to update your strategy without going through Epic Wealth to update your plan unless you really, really, really know what you’re doing.

The Income Amplifier Tracking System

I have created an advanced tracking system for the Income Amplifier, also in Google Sheets. When I write about “tracking system” then I mean my Google Sheets version of the LOC Tracker, which includes not only tracking for the IRIS Line of Credit, but also many other things. (Like I said, I can’t help myself - plus it helps me learn.)

Warning - I Am a Student, Not a Coach or Engineer for Fynanc or Epic Wealth

Anything you learn about here or as a result of using my Model or Tracker is your responsibility. Any action you take as a result of using my Model or Tracker is your responsibility.

Epic Wealth has seen an earlier version of my system, and they are not using it or supporting it in any way.

What’s Next

The next few posts will describe many of the features of the Model and Tracker.

Seeking Testers

I am also seeking testers from the Epic Wealth group. I have a few folks from my own Epic Wealth accountability group that has been running for 2 years and a few others interested. If you are in the Epic Wealth program, and you are running your LOC Tracker successfully, then my system might be helpful.

To learn more, contact me directly.