Glossary
Cash Flow
Cash flow is the net amount of money moving in and out of your accounts over a period. Positive cash flow means you're earning more than you spend; negative cash flow means the opposite.
Why it matters
You can have a high net worth and still face a cash flow crisis — equity in a house doesn't pay the electric bill. Tracking cash flow weekly or monthly reveals whether your day-to-day finances are sustainable, and it's the earliest warning sign of trouble before debt starts accumulating.
Example
If you earned $4,800 this month and spent $4,200, your cash flow is +$600 — money available for savings or debt payoff.
How Ray helps
Ray aggregates all your income and expenses across connected accounts to show real-time cash flow. Run to see exactly how much money came in vs. went out, broken down by category.
$ ray "what's my cash flow this month?"Related terms
Net Income
Net income is your take-home pay after all deductions — federal and state taxes, Social Security, Medicare, health insurance premiums, and retirement contributions.
Budget
A budget is a plan for how you'll allocate your income across spending categories, savings, and debt payments over a set period — usually monthly..
Savings Rate
Your savings rate is the percentage of your income that you save or invest rather than spend.
Net Worth
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities).
Liquidity
Liquidity refers to how quickly and easily you can convert an asset to cash without significant loss in value.