WWW.MOHDHIJAZI.

COM PRESENTER : MOHAMAD HIJAZI SUDARMAJI

This presentation does not constitute formal professional advice. You
should always seek professional financial advice from a qualified financial
planner before entering into any contractual agreement. The information in
the following slides are for informational purposes only, and are derived
solely from the perspectives and researches of the presenter.
 CONTENTS
What is Cash Flow
• Understanding It
• Why Must I Understand

What is Latte Factor

• Understanding It
• How To Apply

What is Rich Dad Poor Dad Cash Flow

• Understanding It
• How To Apply

What is Jar System

• Understanding It
• How To Apply

What is One Third System

• Understanding It
• How To Apply
BUT BEFORE THAT, LET ME INTRODUCE TO YOU...

Muhammad Alshareef

• Founder of AlMaghrib Institute, Emanrush Audio &

Khutbah.com
• Life Coach, Seminar Trainer, Mentor, Islamic Scholar
• Memorized the Quran
• Graduated from University of Madinah with degree in
Law
• Certified Psychotherapist & NLP Practitioner

Creator Of The Program

So, what is Cash Flow?

The movement / process of

cash and of an
individual / corporation.
 IN DIAGRAM FORM

Inflow Events Outflow

Typically, this is
how people
manage their cash
flow...

Financial Holes / Gaps

What is the problem
with this System?
David Bach : Author of The Automatic Millionaire
Introduced the term “Latte Factor”.
• Redirecting small spending into small savings.
• Keeping track of everyday spending.
• Imagine the savings on a cup of latte,

$5 per day (the average cost of a latte and a muffin) x 7 days = $35 per week
$35/week = $150/month
$150 per month invested at a rate of 10% annual return =
1 year = $1,885
2 years = $3,967
5 years =$11,616
10 years = $30,727
15 years = $62,171
30 years = $339,073
IN OTHER WORDS, BACH
IS SAYING THAT THE KEY
TO RICHES IS SAVINGS ON
THE EXPENSES...

30
20 years
Expenses years
10
years
• Conceptualized the Cash Flow Quadrant
• Simplified the Cash Flow System
• Created the Board Game Cash Flow 101
 Robert says that
how you manage
this cash flow
determines your
Income
financial status
that of,
• Poor
• Middle Class
Expenses • Rich

Assets Liabilities
Introduced the Jar System

• FFA – Financial Freedom Account

• NEC – Necessity
• EDU – Education
• LTSS – Long Term Savings For
Spending
• GIVE – Charity
• PLAY – Indulgence
10% of income – Solely for investments to
build PASSIVE INCOME.

50% of income – For necessities and

expenses like food, housing, clothing
and etc.

10% of income – Self improvement

materials, self development programs
and books.
10% of income – Savings for big purchase
items like housing and car down payments.

10% of income – Charitable

contributions

10% of income – Personal luxuries like

new MP3s, games, music discs and etc.
Introduced
• Faith based financial management
• Incorporated Zakaat in financial
management
• Set the framework to be an economic
power
• Levelled wealth equity & equality
• Charity & empowerment encouraged
• Moderation of life style & spending
• Left a lasting legacy
Ponder as to why...

Time management is best organized on a 1/3 allocation,

• 8 hours of sleep
• 8 hours of work
• 8 hours of activities

Diet management as told by the Prophet,

• 1/3 for food
• 1/3 for water
• 1/3 for air

Qiyamullail is best performed during the last 1/3 of a night.

Only 1/3 of your wealth can be willed away

1/3 • Expenses

1/3 • Charity

1/3 • Investments
• Miscellaneous Spending
• Bills
• Transportation
• Instalments

1/3 •Expenses
• Personal Loans
• Credit
• Food / Groceries
• Shopping
• Nafkah Family
• Child Education Funding
• Family Savings
• Mosque Contributions

1/3 •Charity
• Sadaqah
• Children’s School Expenses
• Health Coverage
• Insurance Coverage
 • Personal Savings
• Insurance Plans
• Investment Linked Products
• Business Capital

1/3 •Investments
• Land / Real Estate
• Small Businesses
• Self Development / Education
• Legacy Planning
• Daily Work
So a typical Muslim’s Cash Flow Should look like this...

Charity

Zakaat CPF
2.5% 20% of Expenses Investments
of gross gross
income income
So a typical Muslim’s Cash Flow Should look like this...

Charity

Zakaat CPF
$45 $360 Expenses Investments
 ...And for those who fear Allah, He will
always find a means of salvation, and will
provide for them from sources they could
never imagine. And if anyone puts his trust
in Allah, He is all sufficient for him. For Allah
will surely accomplish his purpose: indeed,
for all things Allah has appointed a due
proportion. (At-Talaq, 2-3)
Imagine the ability and immense satisfaction in
- spending on your family
- giving continuous charity to the poor, orphaned etc
- discharging Zakaah that is 'have your wealth cleansed'
- performing Hajj and Umrah annually
- sponsoring students of knowledge
- employing many
- building schools and Islamic institutions
- becoming a community that is financially self-sufficient
This should be your GOAL…

World Life Hereafter

CASH FLOW
WE WILL
• ASSIST IN DRAFTING OUT A PERSONALIZED CASH FLOW SYSTEM
• MONITOR YOUR CASH FLOW VIA EMAIL FOR THREE MONTHS AT NO CHARGE
• PROVIDE A NO OBLIGATION FINANCIAL CONSULTATION
• EQUIP YOU WITH A FINANCIAL CASH FLOW SOFTWARE
• GENERATE A PROFESSIONAL FINANCIAL CASH FLOW ANALYSIS