building Blocks for financial security
Create a Strong Foundation
Spend Less Than You Earn
The goal is positive cash flow by saving 10% of income.
Eliminate High-Interest Debt
Low-interest debt, such as a mortgage, can be managed strategically to grow your wealth.
Bad debt, such as high-interest credit cards, tkeeps you working longer than necessary.
Manage Risk
Build an Emergency Fund
Create a margin of safety against temporary setbacks by setting aside 3–6 months of expenses.
Protect your Financial Base
There is no security without protection.
Use Insurance & Estate planning to protect your asset base.
Growth and Freedom
Invest Consistently
Follow a disciplined, long-term approach to capture the power of compounding.
Create Sustainable Income Streams
Passive/semi-passive income from pensions and investments.