Matt Love shared their story and experiences with us recently and you can find our conversation below.
Good morning Matt, it’s such a great way to kick off the day – I think our readers will love hearing your stories, experiences and about how you think about life and work. Let’s jump right in? What battle are you avoiding?
Convincing. I’ve been lucky enough to spend almost 15 years in the financial space, and one thing that I feel like I can discern right away, is if someone is a free thinker or a follower. People tend to follow the crowd when it comes to financial strategies, and they mistakingly characterize their actions as ‘conservative’ – when in fact, they are acting far from it. investing in government controlled assets gambling in the casino of wall street, with no real exit strategy. Then they’ll tell me they are conservative, and in the same breath can’t define what their strategy actually consists of. My role is not to convince people they are doing it wrong or that there is a better way. I have found that the people who actually put themselves in a better position are truly curious about financial strategies, including the popular ones. In my experience, advice is only accepted in one of two circumstances; when its life threatening (think of hanging from a cliff, if I yell down to grab my hand or a ledge, you’re going to do it). the other circumstance that people accept advice is when its asked for. Its that simple, yet so many people have a hard time asking clarifying questions, or act like I need to convince them of something, which I gave up a long time ago. The truth is out there, and its more accessible now that it ever has been, so my days of convincing people are over, instead I help those seeking clarity.
Can you briefly introduce yourself and share what makes you or your brand unique?
My name is Matt Love. I was formally trained as an architect, and after getting my masters degree realized fairly quickly the profession left me with very little fulfilment. The process of architecture is, in my opinion, beautiful. It is a beautiful marriage of principles and subjectivity. Principally speaking, buildings need to stand up, first and foremost. Only AFTER the foundation and structure is understood can you begin to make them beautiful, and in reality that is where creativity comes into play. ‘How can you create a beautiful building with the materials at hand, that functions and can last centuries?’. Asking the right questions allows you to get clarity on the outcome. Over time tho, I realized that the profession of architecture is much different, and unless you are GREAT, its likely you’ll be doing boring buildings that won’t have much impact. So I decided to pivot, I started working for a company in Chicago where I would design and sell custom garage spaces, man caves, and I realized quickly, I liked working with people. Around that same time, a close friend of mine lost his mom, and he inherited her retirement account. Well, unfortunately, she was doing what everyone talks about, saving for retirement, and she never lived long enough to enjoy it. When my friend inherited the money he had to pay tax on it, on TOP of his own income. It was a very expensive lesson, and at the time I too was funding a retirement account. I ended up introducing my father, who is a financial planner, and watched first hand how he could pay taxes once, and move that money off the radar of the IRS for income tax purposes. Through the strategies we employed, he was able to take care of his family and keep liquidity of his assets, long before typical retirement age of 59 1/2. That was enough for me, I was hooked, and I have since started my own firm, Cash Flow Architects. I specialize in working with entrepreneurs on how to control their wealth, in ways that are incentivized by the IRS, and have access to capital so they can invest with purpose.
e help entrepreneurs design lives of intention—not just accumulate assets. After nearly fifteen years in the financial world, I realized most entrepreneurs were being taught to chase the wrong thing… a number, a rate of return, someone else’s version of success. But real entrepreneurs don’t think that way. We think in terms of purpose, momentum, stewardship, and the impact our decisions create for our families and communities.
Cash Flow Architects was built on the belief that wealth is something you design, not something you gamble for. Using principles instead of predictions, we guide business owners through creating cash-flow systems that give them freedom today, protection for their families, and access to capital for opportunities they can touch and see.
My brand is unique because it’s rooted in faith, family, and design thinking. I’m not trying to be a traditional financial planner—I’m helping entrepreneurs build intentional lives.
Right now I’m building out our ‘Wealth By Design Mastermind,’ a community for entrepreneurs who want more than money—they want alignment with their calling. They want to steward what God’s given them, lead their families well, build businesses that matter, and invest with purpose.
At the end of the day, I’m not obsessed with helping people become the richest person in the room. I’m obsessed with helping them become the most intentional person in the room—because that’s where real impact, real wealth, and real freedom come from.
Great, so let’s dive into your journey a bit more. What relationship most shaped how you see yourself?
The relationship that shaped me the most is my relationship with Jesus. For a long time, I went through life white-knuckling everything—trying to control outcomes, fix problems with sheer effort, and carry the weight of providing for everyone around me. On paper, I was successful. I had the income, the home, the accomplishments, and a beautiful family. But something was missing, and I couldn’t fill it with achievement.
Learning to walk with Jesus changed the way I see myself. I stopped clenching my fists and started opening my palms. Instead of striving, I learned to ask for help. Instead of carrying everything alone, I learned I was never meant to. I realized the gifts I have—my ability to design, communicate, build, and lead—were not accidents. They were entrusted to me by God.
That understanding shifted everything. I no longer see myself as someone who has to earn worth through success. I see myself as a steward of the gifts I’ve been given, called to use them with purpose and intention. It replaced worry with direction, and pressure with clarity. That relationship reshaped my identity more than anything else in my life.
Was there ever a time you almost gave up?
Yes—almost every year. Entrepreneurship isn’t a straight line; it’s a series of seasons. There are seasons where everything you touch works, where doors open, clients appear, and your impact is obvious. And then there are seasons where nothing seems to move forward, where you question your direction, your decisions, and sometimes even your purpose.
I’ve had years of tremendous growth followed by stretches where I wondered if any of it mattered. It’s in those quiet, discouraging seasons that the temptation to give up is the strongest. But those are also the moments that shaped me the most. They forced me to rely less on my own strength and more on the conviction that I’m building something God called me to build.
Every time I’ve been close to quitting, something reminds me why I started. A conversation with a client, an insight in prayer, a moment with my family, or simply the realization that the work I’m doing isn’t just about money — it’s about stewardship and purpose.
So yes, I’ve had plenty of moments where giving up felt like the easiest option. But each time, leaning back into faith and intention helped me keep going. Those seasons didn’t break me — they clarified me.
Next, maybe we can discuss some of your foundational philosophies and views? Is the public version of you the real you?
Absolutely. One of the most common pieces of feedback I get is that I’m ‘real.’ I don’t hide behind a façade or try to present some curated version of myself. What people see publicly is who I am privately—honest, outgoing, and transparent.
I’ve learned that authenticity builds more trust than perfection ever could. So whether I’m on stage, on a call, or meeting someone for the first time, people get the true version of me right away. I don’t have the energy or the desire to be anyone else.
I’ve spent hours with people who don’t pay me, just to help them in their situation, only because I can. It hurts me in business sometimes because I find myself being almost altruistic, which is almost anti-business. I believe that you reap what you sew, it will come back around at some point… faith over everything.
Okay, we’ve made it essentially to the end. One last question before you go. What do you understand deeply that most people don’t?
One thing I understand deeply—something most people never slow down long enough to grasp—is that wealth isn’t about numbers, returns, or accumulation. It’s about design. Most people let money happen to them. They follow the crowd, chase rates of return, and hope it all works out someday. Entrepreneurs especially get trapped in the idea that more is the answer.
But I’ve learned that true wealth is built on intention, not intensity. It’s built on stewardship, not stress. It’s built on principles, not predictions.
Through my own experiences—both the success and the hardship—I’ve come to understand that God gives us gifts, opportunities, and resources for a purpose. Our job isn’t to hoard them or worry about them; it’s to design a life where those gifts multiply into impact.
The world tells you to focus on your net worth. I’ve learned to focus on the blueprint: how the systems of your money either support your calling or suffocate it. When you design your wealth with purpose, everything changes—your stress, your freedom, your family, and your legacy.
That’s what I understand that most people don’t:
Wealth isn’t a finish line. It’s a framework. And when you build it with intention, everything else falls into place
Contact Info:
- Website: https://cashflowarchitects.com
- Instagram: https://www.instagram.com/cashflowarchitects/
- Facebook: https://www.facebook.com/cfa.mattlove
- Youtube: https://www.youtube.com/channel/UCVgh399ix5JZZlAcerqAYqA/?sub_confirmation=1
- Other: https://www.skool.com/cash-flow-architects-5491
