Cash management should not be focused on cash inflow or how much you earn. To be a good financial planner you must also give focus on the cash outflow or you're spending. There should be a good balance between cash received and cash spending.
A good balance would not mean that income is exactly equal to expenses. This balance would mean that income is equal to savings plus expenses. As planners, short term and long term goals are defined. Future problems are foreseen and solutions are already being solved as early as now. Living within your means is a trait of a good finance manager and planner. Live your life with cash and not with cards. If you can't pay them in cash you don't have to own them. A credit card is not a solution but rather a problem.