> For the complete documentation index, see [llms.txt](https://docs.twfsystems.com/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.twfsystems.com/documentation/methodology/process.md).

# Core Process

There are 2 areas to learn and master:

1. **YOU** - the human nature component (intangible)
2. **YOUR BALANCE SHEET** - restructuring your balance sheet for cash flow (tangible)

Wealth Builder app helps you focus on item #2. Our TWF training programs help with item #1.

## Your Balance Sheet

Your balance sheet is everything you own (**Assets**) +/- everything you owe (**Liabilities** or debt).

If you have positive net worth it’s be cause you have more assets than liabilities, however: 

{% hint style="info" %}
**Not all balance sheets are created equal**
{% endhint %}

Contrary to popular belief, net worth is not the most important number on your balance sheet to achieve financial freedom.

Wealth Builder will take you through a proprietary process of restructuring your balance sheet for cash flow while creating true freedom, security and fulfillment.