Six-Step Wealth-Building Journey

STEP 1 · FREEDOM

BREAK FREE

Build your financial foundation.

Eliminate debt, create positive cash flow, and get your financial house in order so you can start building wealth.

Start Where You Are

Wealth building is a journey rather than a single financial decision. Understand where you are → identify what matters most → determine your next step → take action → reassess as circumstances change → continue progressing.

Build Before You Accelerate

Establish the financial foundation before attempting to accelerate wealth building.

Where to Focus

Consumer debt; emergency fund; budgeting; cash flow; financial stability; financial confidence.

STEP 2 · SECURE

SECURE YOUR FUTURE

Build a safety net retirement that lets you take bold steps toward growing your future wealth in the next step.

Calculate what you're likely to need in retirement, determine how much you need to contribute, and evaluate whether additional retirement contributions remain the best use of your next dollar as you pursue your broader wealth-building goals.

The Next Dollar

At every stage of the journey, consider where the next available dollar can potentially have the greatest impact toward your broader financial goals.

Next Dollar Framework

Where am I? → What am I trying to accomplish? → What financial priorities are competing for my next dollar? → What are the potential benefits, risks, and trade-offs? → Which option best aligns with my goals and circumstances? → Make the decision and continue evaluating over time.

Build Before You Accelerate

Establish the financial foundation before attempting to accelerate wealth building.

STEP 3 · BUILD

DON’T BUILD A NEST EGG. BUILD A GOLDEN GOOSE.

Build a substantial pool of productive capital.

Once your foundation and retirement are on track, consider directing available next dollars toward building an investment portfolio designed to harness the power of compounding.

The Golden Goose

A pool of productive capital designed to harness the power of compounding and potentially produce future wealth and/or income.

Productive Capital

Capital positioned with the objective of generating future growth and/or income.

Compounding

Give productive capital time to compound and understand how compounding can contribute to long-term wealth building.

STEP 4 · GROW

GIVE YOUR GOOSE WINGS

Optimize your Golden Goose for long-term growth.

Learn how to evaluate investments, historical performance, risk, fees, diversification, taxes, and compounding so you can make informed decisions about the factors that can influence how your wealth grows.

Understand Before You Act

Learn how financial concepts work and understand potential benefits, risks, trade-offs, and consequences before making financial decisions.

Investment Education

Historical performance; risk; volatility; fees; diversification; taxes; compounding; time horizon; investment objectives; investment characteristics; evaluating investments; comparing characteristics; understanding trade-offs.

Evaluating Investments

Learn how to evaluate investments and compare characteristics while understanding the trade-offs involved.

STEP 5 · SHIFT

TEACH YOUR GOOSE TO SOAR

Learn when to shift your strategy and let compounding do more of the work.

Once your Golden Goose is on track to produce the Golden Eggs you'll need by the time you're ready to use them, learn how and when to consider shifting your strategy and let compounding do more of the work.

Golden Eggs

The future income, benefits, or financial resources generated by the Golden Goose.

Wealth Is a Journey

As financial position, goals, and circumstances change, the priorities that deserve attention may change as well.

The Next Dollar

At every stage of the journey, consider where the next available dollar can potentially have the greatest impact toward your broader financial goals.

STEP 6 · THRIVE

LIVE YOUR BEST LIFE

Enjoy your wealth and build a lasting legacy.

Use the income from your Golden Goose alongside your earned income to live the life you want today, while continuing to strengthen your retirement strategy and build a legacy for generations to come.

Intentional Wealth

Wealth should ultimately serve the life, goals, values, and legacy a person wants to create.

Golden Eggs

The future income, benefits, or financial resources generated by the Golden Goose.

Wealth Is a Journey

As financial position, goals, and circumstances change, the priorities that deserve attention may change as well.