Wealth Strategy & Disclaimer
I believe in keeping things brutally simple 
I try and break things down in its simplest forms.
I want clean clear action items that you can follow to get where you want to go financially


I try and break things down in its simplest forms.
I want clean clear action items that you can follow to get where you want to go financially



If you aren't ready to start living below your means, there really isn't any reason to start on a wealth building journey
This is the "Do not pass go, Starting Line"
If you are ready - let’s


1. 3 Month Emergency Fund
Start with a positive Cash Flow each month
Set up an automatic savings deposit until you reach your 3 month goal
Plug away as much as quick as you can - sell valuable things, work extra shifts etc
Start with a positive Cash Flow each month
Set up an automatic savings deposit until you reach your 3 month goal
Plug away as much as quick as you can - sell valuable things, work extra shifts etc

2. With Cash Flow Surplus Clear High Interest Debt
Anything above 8% Interest Rate (Avg return of the market) - you need to pay off immediately
Think credit card, personal loans, etc
Anything above 8% Interest Rate (Avg return of the market) - you need to pay off immediately
Think credit card, personal loans, etc

3. Split Cash Flow 50/50 (Savings / Debt payment)
At this point you have low interest rate debt like car payment, or student loans remaining
Use 50% of Cash Flow for debt / 50% for investing
This is also where I’d start a 401k and take the match
At this point you have low interest rate debt like car payment, or student loans remaining
Use 50% of Cash Flow for debt / 50% for investing
This is also where I’d start a 401k and take the match

4a - Investment Strategy
How are you going to invest?
What is your preferred strategy?
Everyone is different but For me its 90% Index Funds / 10% Individual Stocks
I do this because I do not want to take the time to pick individual stocks
How are you going to invest?
What is your preferred strategy?
Everyone is different but For me its 90% Index Funds / 10% Individual Stocks
I do this because I do not want to take the time to pick individual stocks

4b - If you are new here are some accounts that can help with investing better then I will be able to
@thewealthdad - index funds
@divcultivator & @calebgregory304 - Dividends
@Theefinanceguy - General Knowledge
@investingwbrady - Options
This Would be a good start
@thewealthdad - index funds
@divcultivator & @calebgregory304 - Dividends
@Theefinanceguy - General Knowledge
@investingwbrady - Options
This Would be a good start

5. Full Emergency Fund
This step is highly debated in personal Finance Circles
I personally hold a 4 month Emergency Fund
Since having kids we are pushing it slowly out to 6 full months
Whatever you decide is a full emergency fund, now is the time to get there
This step is highly debated in personal Finance Circles
I personally hold a 4 month Emergency Fund
Since having kids we are pushing it slowly out to 6 full months
Whatever you decide is a full emergency fund, now is the time to get there

6. Cash Flow Producing Assets
Once you are debt free (besides mortgage) now is the time to push into cash producing assets
Think Real Estate, Dividend Stocks, or Cash producing assets
You want to build out Cash Flow
More Cash Flow that buys More assets
Once you are debt free (besides mortgage) now is the time to push into cash producing assets
Think Real Estate, Dividend Stocks, or Cash producing assets
You want to build out Cash Flow
More Cash Flow that buys More assets

I believe if you follow these easy steps you will
- Get out of Consumer Debt and Stay there
- Build a Full Emergency Fund
- Build Lasting Wealth and financial freedom
- Get out of Consumer Debt and Stay there
- Build a Full Emergency Fund
- Build Lasting Wealth and financial freedom

My disclaimer
I love to share my thoughts on wealth building, as this is a hobby and a passion of mine
I am not a trained professional, and I do not give specific advice on specific stocks or investment options. I can tell you what I do, but nothing else
I love to share my thoughts on wealth building, as this is a hobby and a passion of mine
I am not a trained professional, and I do not give specific advice on specific stocks or investment options. I can tell you what I do, but nothing else

If you are looking for specifics please DM me
Happy to share products that worked for me, or answer anything specific one off https://twitter.com/messages/compose?recipient_id=226799302
Happy to share products that worked for me, or answer anything specific one off https://twitter.com/messages/compose?recipient_id=226799302