Explanation

Understanding The Float25™ Digital-Margin-System™ and Using The Bank To Recirculate Your Money into Profit Position.

You know how much your expenses are.    You know how much you can save.     —But do you know your Monthly Margin Amount?

pāyZero® Incorporated introduces the concept of “Using The Bank To Recirculate Your Money for Profit” by combining Digital Envelope Banking with Float25™, a Digital Margin System (DMS) online banking system used by the founders of Pink Financial Bank arriving in 2022).

We use the combination of Digital Envelope Banking and our DMS to scrape for all the margin made available as you get paid, bank, and handle expenses using electronic bill-pay. (Usually up to 25% of your total costs) and uses that money to cover your minimum monthly debt payments. This way, your auto loan is paid with Margin independently from your household budget.

Throughout modern history, households have paid their bills as they arrive. Meaning when you get a bill, you pay it—dollar for Dollar (1:1).  In most cases, that is right around payday.  While that seems like the right thing to do, the constant rising “cost of living” may force a household to modify its budget to keep up.  If a financial surprise happens, you may have to move more expensive bills to the next paycheck.  Robbing Peter to pay Paul eats at your savings and makes budgeting very frustrating.  We call that vicious cycle “Pay as You Go Budgeting.”

Our Managed Services will reveal your household’s Monthly Margin. The DMS allows us to calculate your highest possible Margin amount recirculating your money generates; (as much as 25% of your total monthly expenses) and cover your total monthly costs and expected monthly savings on the remaining 75%. Our calculations will place your money into a position to pay bills on an electronically calculated schedule. Hence, as bills arrive, your expense money is already there in time for electronic bill-pay. All without you experiencing a Non-Sufficient Funds notice. We call that “Banking Ahead.”

Affordable:

Float25™ changes how you bank from pay as you go budgeting to banking ahead of your expenses using algorithms. Banking ahead of your costs allows your account(s) to cover all your monthly payments, including your average monthly savings while generating 12% – 25% in Margin.

Float25™ uses a simple “Addition by Subtraction” calculation designed explicitly so people with a steady income and direct deposit can afford to contribute towards wealth planning without exhausting their budget.

  • No manual budgeting
  • No cutting expenses
  • No special payment arrangements
  • All done without you experiencing an NSF

You see, it’s NOT about how much your bills cost you per month.  It’s about recirculating your money between accounts to find the exact amount of digital dollars needed to flow through your checking account(s) that will cover your expenses until your next payday; without you experiencing an NSF. Your Margin is considered New, Investable Assets. Banks have been keeping this information away from you. Now it’s your turn to collect your Margin.

Is The Automatic Banking System™ Safe?

We support Float25™ because it uses safe banking practices to find you money without asking you to cut expenses. The instructions and results are unique to your household and based on your total net monthly income, expenses, and savings. Float25™ is the “New Way to Bank.” That means when you follow our instructions; you have ensured the safety of having all your bills paid on time as usual and all of your monthly savings like normal.


Complete Financial  Disclosures: *PayZero Inc. has Zero access to your bank account(s).  Our Digital-Margin-System (DMS) system is based on the same banking model that Pink Financial Bank will introduce to the market as Debt-Free Banking in 2022. The strategy behind our DMS translates into a doable plan for your household. Under our guidance, your money is dispersed to multiple accounts in a pattern that will cover all of your monthly expenses on 75% less money.  The remaining 25% is called “Digital Margin.” That means when you follow our instructions; you have ensured the safety of having all your bills paid on time as usual and all of your monthly savings like normal.  But now, you will have an extra 12% to 25% of Margin available to use without experiencing an NSF or Overdraft.   All management questions and adjustments are handled via Zoom® Meetings or at the home office location.  The DMS system Online Banking and Bill-Pay Management Services will work with any bank. .  **The National Monthly Margin Average per household is $1,100. Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, Minimum total household expenses of $3,800/mo. after taxes. For the best results, you need 4 checking accounts at the same bank. 1. Main, 2. Debt, 3. Utility, 4. Discretionary. (No Credit Unions unless it’s USAA®)

Disclosure

PayZero™ Incorporated assigns a Financial Counselor to each Pre-Qualified DriveFree™ Member. As you read the first few paragraphs, you will see that we provide a service that includes PayZero™ Inc. Lightly Managing your Direct Deposit, Online Banking, and Bill-Pay while you bank at or current bank or you are joining the waiting list for MyPinkBank.com that opens to the public in late 2022.  *Please be advised that at no time will we have access to your accounts. We merely provide you with instructions on how to use our system.  All adjustments questions, and meetings, will be handled in consultations via Zoom®.

 

 


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