Al Zdenek noticed early in his career that his clients, and people in general, had not received a good financial education and had not surrounded themselves with the best advisors. As a result, they were not making the best financial decisions for themselves or their families and at times were making disastrous choices.

This is what inspired Zdenek to write the book “Master Your Cash Flow” (www.MasterYourCashFlowBook.com), which provides the way to make the 100 percent correct financial decision and help individuals and families grow and retain wealth and live the life they want now and in the future.

“Educating someone on how to consistently make the best financial decisions lets them avoid the costly mistakes most make in their lives,” says Zdenek, president, CEO and founder of Traust Sollus Wealth Management. “By consistently making the best financial decisions, they can find more cash flow to spend or save. Saving this new cash flow, they may achieve financial independence sooner, work less in life and have less anxiety and stress in their financial lives.”

Zdenek says one way that people can start reaching their financial goals is by using debt smarter, and getting away from the mindset that all debt is bad. Well-run business uses debt to increase shareholders. People can do the same to increase their wealth.

Here are some more ways to empower people to transform lives by consistently making the best financial decisions possible.

• Focus. Many don’t know where to begin to take control of their cash flow. If you don’t know, get help, says Zdenek. The busy lives that people lead can cause them to not spend the time looking at the amounts they spend and why. Those who don’t focus on where their money is going could end up wasting a lot of it, and in the long run have to work harder and longer in life.

• Don’t Concentrate On Just Saving Pennies At The Expense of Living How You Wish Now. Zdenek and Madonna probably don’t run in the same circles, but they do have one thing in common: Neither one believes in just saving pennies and not enjoying life. While Madonna was hoping for some bling in her ‘80s hit song “Material Girl,” Zdenek says go ahead and buy that pumpkin spice latte from Starbucks. It is necessary in your life to enjoy the things that make you happy, just as long as you continue to make smart decisions on bigger issues that affect your future wealth so that you can live the way you want for the rest of your life.

• Look High And Low. There are plenty of overlooked places where people find opportunities for increased cash flow. Those include proper income tax planning, structuring debt property, finding a better job, taking full advantage of company benefits, leasing vs buying, running your business more effectively, managing property and casualty insurance effectively and many more.

“I want to educate people on how to make the best financial choices for themselves and their loved ones, 100 percent of the time,” Zdenek says. “In doing this, they are empowered to live the lives they wish, now and in the future.”