The pyramid
Financial health, bottom-up.
Five tiers. You don't skip. Build the base before you chase the top.
CurrencyLoading…
5Legacy
4Freedom
3Investment
2Safety
1Cashflow
1 · Cashflow
Income that stays positive. Spend less than you earn.
0%
2 · Safety
6 months of living costs, liquid. Three months is too thin to recover.
0%
3 · Investment
Money that works for you. Risk goes up here, but the foundation holds.
Locked
4 · Freedom
Pension, kids' education. You work because you want to.
Locked
5 · Legacy
Estate planning, a business that outlives you. Not just money.
Locked
Check your level
Result
Start below tier 1.
Net worth formulaStanley & Danko
(age × annual income) ÷ 10 = fair net worth