How to Get 100% More Cash in 3 Years (step-by-step)

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“If you’re not documenting your cash flow and looking for leverage, you’re leaving money on the table.”— John S. Rhodes, Rhodes Brothers

What if I told you that you could double your cash flow in just three years—without winning the lottery, getting a huge promotion, or working 80-hour weeks? Sounds bold, right? But it’s not only possible—it’s happening for people with the right strategies in place.

The truth is, earning 100% more cash in three years isn’t about luck. It’s about systems, smart habits, and leveraging what you already have in your life. It doesn’t matter if you’re starting from paycheck to paycheck or already have a side hustle. With the right roadmap, you can build a system that works for you—on autopilot.

In this post, we’ll break down the five-step system shared by John S. Rhodes from the Rhodes Brothers YouTube Channel, a practical framework that’s helped countless people increase their income dramatically in just a few years. We’ll cover:

And here’s the kicker: You don’t need to be a financial genius to do this. You just need to be willing to take action, track your progress, and be open to change.

TL;DR

🎯 Document your current financial system: Know where your money comes from and where it goes.

💡 Identify and focus on high-leverage income streams: Side hustles, investments, freelancing, or even switching jobs.

⚙️ Improve your processes: Automate, outsource, and eliminate time-wasters.

🔁 Scale with Kaizen: Use small, consistent changes for big long-term results.

🔍 Review and adjust regularly: Keep your system lean, efficient, and adaptable.

Step 1: Document Your Current Financial System

Before you can double your income, you must understand your current financial system. Think of it like GPS—you can’t get to where you want to go unless you know where you are.

📌 Actionable Tip: Grab a notebook, spreadsheet, or digital tool like Notion, Google Sheets, or YNAB (You Need A Budget) and write down:

“Just by documenting your cash flow, you’re going to have breakthroughs. You’ll see money you didn’t even know you had.”

— John S. Rhodes

Tools to Help:

Step 2: Identify High-Leverage Income Streams

Here’s where things get fun. You don’t need 10 side hustles. You need one or two that are scalable and high impact.

John S. Rhodes suggests looking for income that isn’t 1:1 with your time. Think:

Substack

“The vast majority of millionaires I know have their own business—or at least a serious side hustle.”

— John S. Rhodes

Real Example:

Let’s say you’re earning 2% on $10,000 in a savings account. Moving that to a 4.5% money market fund doubles your passive income from $200 to $450/year. Same money, better system.

Step 3: Implement Process Improvements to Maximize Efficiency

You need more time, not just more money. That means streamlining your life and optimizing your work.

✅ Do This:

If you work a full-time job, look for ways to automate your workflow or delegate tasks to get 5–10 hours back each week.

Eisenhower Matrix

💡 Pro Tip: Use the Eisenhower Matrix to sort tasks into four categories—Urgent/Important, Not Urgent/Important, etc. Eliminate or delegate the rest.

Step 4: Scale the System Through Kaizen (Continuous Improvement)

Kaizen is the Japanese philosophy of small, continuous improvement. Instead of trying to overhaul everything overnight, look for tiny changes that compound.

📊 Example KPIs (Key Performance Indicators):

Tools for Scaling:

 

Step 5: Document and Review Your System Regularly

Take a step back every 90 days and ask:

Use a journal, spreadsheet, or software like Notion or ClickUp for quarterly reviews. And if you’re more visual? Try mind maps on Miro or MindMeister.

📌 Use These Questions:

Actionable Steps for Different People

🟢 Beginners: Laying a Strong Foundation

If you’re new to personal finance, side hustles, or wealth building, you’re not alone—and the good news is: you don’t need to know everything to start. You just need to build momentum.

Track Your Income and Expenses for 30 Days

Use apps like Mint, YNAB, or even a simple Google Sheet. Categorize every dollar in and out. This helps uncover spending leaks and underutilized income sources (like forgotten subscriptions or unused assets).

Open a High-Yield Savings Account

Banks like Ally, Marcus by Goldman Sachs, or Capital One 360 offer interest rates up to 4.5%—compared to traditional banks that offer less than 0.5%.

📌 Example: $5,000 earning 4.5% = $225/year vs. $25/year at 0.5%.

Start a Simple Side Hustle Based on Skills You Already Have

These require low startup costs, flexible hours, and can scale over time.

Bonus Tip: Use Canva to create quick flyers or resumes to promote yourself locally or online.

🟡 Millennials: Build & Scale with Digital Leverage

Millennials are digital natives—this is your edge. You can scale faster by building digital assets that earn while you sleep.

Build a Digital Product with Gumroad or Payhip

Package your skills into ebooks, templates, or mini-courses. Topics can range from budgeting guides to Canva templates to fitness plans.

🛠 Tools:

Use WordPress, Ghost, or Substack. Build an audience around a niche (personal finance, parenting, tech reviews). Monetize through affiliate marketing, sponsorships, or selling your own products.

💡 Example: A blog with 5,000 monthly readers can generate $500–$2,000/month with the right monetization.

Start Investing Consistently

Use Vanguard, Fidelity, or apps like M1 Finance to invest in low-cost index funds like VTI or SPY. Even $50/month compounds over time.

Bonus Tip: Automate your investments with Robo-advisors like SoFi Invest or Betterment.

🟠 Nearing Retirement: Maximize and Protect

If you’re 50+, your focus is likely on maximizing returns, reducing risk, and possibly creating passive income for retirement.

Shift Funds to Dividend-Paying ETFs or Blue-Chip Stocks

Look for ETFs like VYM (Vanguard High Dividend Yield) or SCHD. These offer 3–4% dividend yields and are more stable than growth stocks.

📌 Example: $100,000 in SCHD at 4% = $4,000/year in income.

Monetize Your Home or Hobby

Use Robo-Advisors for Simplicity

Platforms like Wealthfront or Betterment offer automatic portfolio rebalancing, tax-loss harvesting, and retirement planning tools. Set and forget.

Bonus Tip: Use SmartAsset’s retirement calculator to estimate your needs and adjust your current strategy.

Common Mistakes to Avoid

❌ Not Tracking Your Money

Why it’s a problem: You can’t manage what you don’t measure. Without visibility into your finances, you’ll overspend, under-save, and miss out on growth opportunities.

✅ Fix it: Use YNAB, Personal Capital, or Tiller to get a real-time snapshot of your finances. Set up budgeting categories and automate data entry.

❌ Chasing Too Many Income Streams

Why it backfires: Spreading yourself too thin leads to burnout and half-finished projects. You’ll waste time “starting over” every few weeks.

✅ Fix it: Apply the 80/20 Rule. Focus on 1-2 streams that have the most potential and double down.

💬 John Rhodes says: “You don’t do all the things—you do the few things that matter most.”

❌ Ignoring Automation

Why it matters: Manual tasks drain time and mental energy. That’s time you could be 

using to generate income or relax.

✅ Fix it:

❌ Never Reviewing Your Strategy

Why it holds you back: What worked last year may not work now. Your goals, income, and opportunities evolve.

✅ Fix it:

📌 Pro Tip: Pair your reviews with a reward (a favorite coffee shop, a solo hike) to make it something you look forward to.

Frequently Asked Questions

How do I get started with increasing my income?

Start by documenting your current cash flow. Use a simple spreadsheet or budgeting app.

What’s a high-leverage income stream?

It’s one that scales—like digital products, content, or software. You do the work once and earn repeatedly.

Can I really double my income in three years?

Yes, with focus. Many people do this by switching jobs, launching side hustles, or investing smartly.

What if I have a full-time job?

Start small. Reclaim 5–10 hours a week by cutting distractions and streamlining routines.

Do I need a business to increase income?

Not always, but having a side business dramatically increases your chances of hitting 100% growth.

How do I find time to build a side hustle?

Use the Eisenhower Matrix and cut out low-value tasks. Use your evenings and weekends wisely.

What if I fail or lose money?

That’s part of the process. Start small, test ideas, and pivot quickly.

What tools do I need to get started?

Start with Google Sheets, Notion, and a high-yield savings account.

Should I pay off debt first?

Yes, especially high-interest debt. But don’t stop building income while you do it.

How do I stay motivated?

Track your wins, join a community, and follow creators like the Rhodes Brothers for regular inspiration.

Your Financial Transformation Starts Now

Doubling your income in three years might sound like a dream—but it’s a dream that’s entirely within reach. You don’t need to be a millionaire, an influencer, or a tech wizard. You just need a system, a little consistency, and the willingness to improve step by step.

Here’s what you can do today:

Your future self will thank you.

Get started today by subscribing to the Rhodes Brothers YouTube Channel for the latest tips, tools, and strategies to help you grow your income, start a business, and build the life you want.

Resource List

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