We find that financial health should be managed the same as physical health. We need a goal and a series of attainable steps to get there. There is no one way and no really easy way to do it, but it requires commitment, focus and determination.

We can analogize to going to the gym so that we can dance in front of the mirror(queue Meghan the Stallion and sing body-ody-ody). It isn’t going to happen by going to the gym here and there and eating a salad once in a while.

Financial Health requires commitment, habit building and goal setting.

The financial equivalent is the standard personal finance example of omitting the daily Starbucks. Yes, this can help things, but in no way is it the game changer that I see other posts make them out to be.

If the savings from a daily cup of coffee will turn around your financial situation, then you are either in a fantastic or catastrophic situation currently.

In an case, we can get better together! We set the goal to build financial security with the ‘reach’ goal of generational wealth. We do not come from family money and have middle class incomes. Are we stuck in our position? Absolutely not! We have put countless hours of research into building a plan that works for us. After dozens of conversations about our research and actions we have made towards financial literacy and independence, we decided to share our journey here to try and help as many people as possible.

If we were to breakdown our journey into a series of steps they would be:

1. Identify All Current Expenses

2. Determine your financial goals and set Money Milestones

3. Build your Budget

4. Review and Reassess yearly