If you’ve been searching for a smarter, more predictable way to grow your money, Andy Tanner claims to have the solution.
His strategy centers on a simple “four-click” method which he says can turn everyday stocks into monthly cash flow machines.
In this Cash Flow Machines review, I’ll share what I found after digging into the system myself, what makes it different, who it’s really for, and whether it’s worth trusting with your financial goals.
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What Is Cash Flow Machines?
Cash Flow Machines is Andy Tanner’s step-by-step investing system built to help everyday people create reliable income from the stocks they already own. 
Instead of speculating on the next hot stock or timing the market, it focuses on generating consistent monthly cash flow using a simple, repeatable “four-click” method tied to the Black-Scholes Anomaly, a pricing advantage Wall Street has quietly used for decades.
The program walks you through everything, from finding the right kind of stocks to setting up your brokerage account and making your first cash flow trade.
You don’t need prior investing experience, fancy software, or a massive account balance to begin.
At the end of the day, it’s designed to work in any market, for anyone who wants a steady income.
It’s about turning your portfolio into a personal paycheck system, simple, consistent, and surprisingly achievable.
I’ll cover all the details in a moment, but I first want to take a closer look at the guru behind it all.
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Who Is Andy Tanner?
Andy Tanner is a respected financial educator, author, and entrepreneur with decades of experience teaching people how to build lasting wealth through smart, conservative investing.
He is perhaps best known as Rich Dad’s Advisor for Paper Assets, having been personally selected by Robert Kiyosaki, the author of Rich Dad Poor Dad.
Over the past 20 years, he’s trained thousands of students across 170 countries, helping them understand how to create consistent cash flow using stocks, ETFs, and other key assets.
He’s also the author of several highly rated books like Stock Market Cash Flow, The Power of Six, and 401(k)aos, each focused on breaking down complex financial concepts into actionable steps anyone can follow.
Now, Tanner dedicates much of his time to his Cash Flow Machines platform and helping the rest of us achieve success.
Is Andy Tanner Legit?
Without question, Andy Tanner is one of the most credible names in financial education today.
His long-standing association with the Rich Dad Company and his track record of helping ordinary people generate consistent returns speak for themselves.
Andy has personally coached thousands of students through his online programs and live workshops, emphasizing risk management and steady income, not speculation.
His teachings on cash flow investing have been endorsed by Robert Kiyosaki himself, and his books consistently rank among Amazon’s top titles in personal finance and investing.
Beyond the classroom, Tanner manages his own portfolio using the same methods he teaches, giving his lessons real-world credibility.
When someone with his background tells you there’s a safer, more predictable way to grow wealth, it’s worth paying attention.
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What Is “The Black-Scholes Anomaly” Presentation?
Andy’s big belief is that most people are working twice as hard as they need to because they’ve been taught to “save and hope” instead of cash flow and grow.
He shares that there’s an illusion of wealth creation that Wall Street has sold for decades, telling users to bet on the next big stock or ride out another market cycle.
Sadly, the guru argues that this approach leaves people stuck, anxious, and falling behind.
That’s why he’s so excited about what he calls the Black-Scholes Anomaly, a quiet loophole that the financial elite have used for over 50 years to generate instant monthly income from the same stocks everyone else just holds.
Why Most People Never Get Ahead
Tanner doesn’t hold back when explaining the real issue. He points out that while average individuals chase headlines about “the next NVIDIA” or “Bitcoin to $1 million,” 9 out of 10 lose money trying to guess which stock will win. 
He even runs the math: with over 55,000 publicly traded companies, your odds of picking the next breakout are worse than getting struck by lightning.
Meanwhile, institutions quietly generate cash month after month using predictable, low-risk trades rooted in the Black-Scholes pricing model, a mathematical formula designed to measure risk but long exploited to generate income.
Instead of waiting years for capital gains or hoping dividends increase, the premise revolves around clicking a few buttons to collect instant cash.
Tanner’s message is clear: the problem isn’t that the market is broken, it’s that regular people have been using the wrong playbook.
The Power of the Four-Click Method
Once Tanner lays out the problem, he shows the fix. Using what he calls his “four-click” method, he demonstrates how ordinary members can tap into the same anomaly Wall Street has used for decades.
He walks through examples with well-known companies like Coca-Cola, ExxonMobil, and Dow Chemical, all “boring” blue-chip stocks that most people overlook.
Yet, through this approach, he’s able to collect between 1% and 4% returns per month, even when those stocks drop in price.
It’s not about risky options or day trading, but about building a personal paycheck system that runs quietly in the background.
The goal is to build freedom through consistent, predictable income. Tanner proves it can work for anyone, even complete beginners, and he backs it up with real results.
Your Chance to Build Monthly Cash Flow Machines
By the end of his presentation, Tanner brings everything full circle with a challenge that hits home: stop waiting for markets to recover and start building cash flow now. 
He shares how applying this method helped him transform his own portfolio, and how his teenage sons used the same four-click process to make instant returns on their very first trades.
Andy insists that anyone willing to follow a clear, step-by-step plan can start generating monthly income from the stocks they already own, without gambling, guessing, or giving up their day job.
You can gain immediate access to his system by signing up for Cash Flow Machines and start putting the system to the test for yourself in no time.
Next, let’s take a closer look at what comes with Cash Flow Machines and how it helps you apply everything he reveals in this presentation.
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Cash Flow Machines Review: What Comes With The Subscription?
Here are all the features you’ll have access to as a Cash Flow Machines member:
The 3-Module Cash Flow Machines System
At the heart of the program is the three-module system that breaks down Tanner’s entire strategy into easy, bite-sized steps. 
It takes about 14 hours to complete in your first sit-through, and you’re free to go back and listen again as many times as you wish.
The first module lays the foundation, explaining the principles behind the Black-Scholes Anomaly and how the “four-click” process actually works.
The second module moves into the practical side, setting up your brokerage account, identifying the right stocks, and placing your first trade safely in a simulated account.
The final module ties it all together by helping you transition to live trades with confidence. Each step includes Tanner’s on-screen demonstrations and plain-English explanations so you know exactly what to do and why.
By the end, you’ll understand not only how to generate cash flow but how to repeat the process every month with consistency.
The “Golden Goose Formula”
The “Golden Goose Formula” is Andy’s personal checklist for finding what he calls “forever stocks”, reliable, cash-flowing companies that can keep paying you month after month. 
He walks you through the key traits he looks for in a company, from financial strength and dividend stability to long-term growth potential.
These aren’t speculative small-caps or meme stocks; they’re blue-chip giants like Coca-Cola or ExxonMobil that meet his strict criteria.
Tanner shows you how to evaluate a stock’s fundamentals, use free research tools, and confirm whether it qualifies as a true cash-flow candidate.
The goal here is to identify assets that can consistently produce income regardless of market direction.
Once you understand this formula, you’ll know how to spot “golden geese” in any market condition.
The “20-Minute Month”
This section is where Cash Flow Machines really shines for people who don’t want to babysit their portfolios.
Tanner teaches how to manage your entire set of income trades in about twenty minutes a month.
He outlines how to prepare for each trade and how to review performance over time.
You’ll see how to build a monthly routine, scanning your list of approved stocks, checking a few numbers, and placing your trades efficiently.
The “20-Minute Month” proves that generating real cash flow doesn’t have to take over your life, it can fit neatly into your schedule alongside your full-time job or retirement plans.
The “Cash First Secret”
In the “Cash First Secret,” Tanner flips traditional investing on its head. Instead of buying an asset and waiting for years to profit, he reveals how you can collect cash upfront from stocks you don’t even own yet. 
He calls it getting “paid first, before the work begins.” This technique shows how to use the Black-Scholes Anomaly to lock in income immediately when you open a trade, rather than hoping for long-term appreciation.
Tanner illustrates the process with examples from his own portfolio and even stories of how his teenage sons used it to earn instant returns.
The beauty of this approach is that it’s completely transparent; you know the exact dollar amount you’ll earn before clicking “submit.”
The “Assignment Advantage”
Most people see risk as something to avoid, but Tanner explains how to turn it into an advantage.
In his detailed walkthrough, he introduces his 90/10 Risk Shield Formula, showing how to manage trades in a way that actually uses assignment to your benefit.
Rather than fearing it, you learn to use it as a tool to acquire quality stocks at discount prices while still pocketing income.
Tanner provides clear examples and historical data to demonstrate how this approach has protected his capital over years of market ups and downs.
The result is a mindset shift; risk becomes something you can use to your advantage and not something that controls you.
Step-by-Step Practice Simulations
Before risking real money, Tanner insists you start with a paper trading account. In this simulation, you’ll practice placing the four-click trade using virtual funds, so you gain experience and confidence before going live.
It’s an invaluable step that allows you to test the strategy, see how monthly cash flow adds up, and make mistakes without losing any of your hard-earned money.
Tanner even provides sample scenarios and troubleshooting tips to help you understand every possible outcome.
By the time you transition to a real account, the process feels second nature, like muscle memory for your finances that you can use to generate actual gains.
Ongoing Customer Support
Even after completing the course, you’re never on your own.
Tanner’s support team, a group of seven dedicated professionals, is available to answer questions, clarify lessons, and guide you through any technical issues.
You can reach them through email, phone, or the chat widget inside the members’ portal. Tanner also sends periodic updates and insights to help you refine your technique as markets evolve. 
This ongoing connection gives Cash Flow Machines a personal touch.
You’re not just buying a course; you’re joining a community committed to helping you succeed.
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Cash Flow Machines Bonuses
If you sign up now, you also get access to the following bonuses as a free gift:
Bonus #1: The “4010(k) Retirement Plan”
This bonus training is Tanner’s direct response to what he calls the “401(k) myth”, the outdated idea that you can simply save your way to retirement. 
He explains why traditional plans are stacked in Wall Street’s favor, loaded with fees, and painfully slow to grow.
In this course, he shows you how to build a true cash flow–driven retirement plan that replaces the 30-year saving mindset with immediate, predictable income.
Top strategies include his “Real Number Formula,” “Cash Flow Matrix,” and “90-Day Action Blueprint” to start you on the right path.
Bonus #2: The “New Investor’s Cash Flow Blueprint”
Tanner knows that most financial education is overly complex and intimidating, so this course breaks everything down into simple language. 
He starts with the basics: how to open a brokerage account, where to find the right buttons, and how to avoid common beginner mistakes.
From there, he introduces the three core factors he looks at before making any trade: safety, predictability, and return potential.
What makes this module stand out is Tanner’s teaching style.
He doesn’t assume prior knowledge or use jargon. Instead, he uses screen recordings and real examples to show what to do step by step, from analyzing a company’s chart to executing the “four-click” cash flow trade.
Bonus #3: The “Infinite Returns Formula”
The third bonus, The Infinite Returns Formula, is designed for people who want to maximize the power of their existing capital without taking on additional risk.
In this training, Tanner introduces a concept he calls “debt-free leverage,” a strategy that allows you to accelerate compounding by strategically reinvesting profits instead of borrowing money.
He explains how users can use this approach to grow wealth exponentially, not by increasing risk, but by recycling gains into new cash-flow positions that pay for themselves.
More importantly, he demonstrates how compounding works when paired with the Cash Flow Machines system, a method he says can help late starters catch up on “lost time” faster than they ever thought possible.
>> Discover the Black-Scholes Anomaly Method <<
Refund Policy
Andy Tanner backs Cash Flow Machines with a straightforward 30-day, 100% money-back guarantee. 
This refund policy is designed to remove all risk for new members. After enrolling, you get full access to every module, bonus, and training video so you can explore the system firsthand.
If, for any reason, you’re not completely satisfied within the first month, whether it’s not what you expected or you simply change your mind, you can reach out to the support team for a full refund, no questions asked.
Tanner’s customer service team is easy to reach by email, phone, or live chat inside the members’ portal, and refunds are processed promptly.
It’s a rare level of transparency in a financial education program, showing that Tanner is confident in the value of what he’s offering.
Pros and Cons
After testing the ins and outs of Cash Flow Machines, here are my top pros and cons:
Pros
- Super beginner-friendly approach
- 14 hours of content you can watch as often as needed
- Andy Tanner has a track record of success
- Focus on income over speculation
- One-time payment
- Includes three bonus materials
- 30-day refund policy
Cons
- No community access
- Requires patience in understanding the platform
Cash Flow Machines Track Record / Past Performance
Andy Tanner shows consistent, verifiable results drawn directly from his own portfolio and the experiences of his students.
In the Cash Flow Machines presentation, he walks through several examples that demonstrate how the Black-Scholes Anomaly can produce steady, compounding income from well-known blue-chip stocks.
Using companies like ExxonMobil, Coca-Cola, Dow Chemical, and Prudential, Tanner revealed how he earned between 1% and 4% per month, or roughly 12% to 18% annually, even when the underlying stocks declined in value.
He also shares how his teenage sons replicated the process, generating returns of 2.7% and 4.8% in their first month, proof that this method doesn’t require professional trading skills to work.
With examples spanning multiple market cycles, Tanner demonstrates that Cash Flow Machines thrives in both bullish and bearish conditions.
>> Learn to Cash Flow Like Warren Buffett <<
How Much Does Cash Flow Machines Cost?
Originally priced at $297, Tanner is introducing a heavily discounted rate as a limited-time offer for those who join now.
At the time of writing, Cash Flow Machines is available for a one-time payment of $97, giving members lifetime access to Andy Tanner’s complete three-module system, all bonus trainings, and dedicated customer support.
That’s nearly 70% off the sticker price.
Plus, there are no recurring fees, subscriptions, or upsells. What you pay upfront covers everything.
Keep in mind you’re also getting the three premium bonus courses, The 4010(k) Retirement Plan, The New Investor’s Cash Flow Blueprint, and The Infinite Returns Formula, which together add significant value to the overall package.
Considering most investing education programs from comparable instructors cost between $497 and $2,000, Cash Flow Machines stands out as a highly affordable, one-time investment.
Is Cash Flow Machines Worth It?
After digging deep into Andy Tanner’s program and testing his framework myself, I can confidently say in this Cash Flow Machines review, yes, it’s absolutely worth it for anyone who wants to generate predictable income without gambling on speculative stocks.What makes it stand out is how approachable it is.
Tanner doesn’t rely on complicated financial theory or advanced trading platforms. Instead, he focuses on teaching a practical, step-by-step system that anyone can follow, regardless of experience.
For a one-time payment of $97, you’re gaining lifetime access to a full wealth-building education rooted in real-world results.
The value becomes clear once you see how fast you can apply what you learn.
Within a single weekend, you can understand the Black-Scholes Anomaly, open a brokerage account, and start practicing trades in a simulated environment.
The program gives you the skills to potentially earn consistent monthly returns on blue-chip stocks, all while limiting your exposure to risk.
Compared to the cost of traditional financial advisors or years lost in trial and error, Cash Flow Machines can quickly deliver incredible return on investment, but only if you sign up now.
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