An adventure map
The Cash Flow River, from 22 to 85
One life, from a first paycheck at 22 to an estate at 85. Ride the river stop by stop and watch each dam fill up as one person plans for retirement. Then plan your own.
Age22
Retirement lake$50,000
Stop1 of 11
About the author
The Cash Flow River was created by Rick Darvis, CPA, CCPS
Rick Darvis drew this river, stop by stop, to show families how a paycheck becomes a retirement. He founded the National Institute of Certified College Planners, co-authored the AICPA's guide Paying for College, wrote The College Solution: a roadmap to fund college and retirement without going broke, built college-planning software for financial planners, and has taught tax and college planning at CPA and CFP® conferences in more than 40 states. He studied accounting at the University of Montana.