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ๅง‹ Begin

The Path Begins

Your financial foundation, built mindfully, one step at a time.

Welcome. If you're feeling overwhelmed by personal finance, you're not alone. There's so much information out there: 401(k)s, IRAs, index funds, emergency funds, tax strategies. It's hard to know where to begin.

The good news? Getting your finances in order doesn't require a finance degree. It requires taking the right steps, in the right order, and staying consistent.

"A journey of a thousand miles begins with a single step."

Below you'll find action guides tailored to your life stage. Each one walks you through exactly what to do, why it matters, and which tools can help. Pick the guide that fits where you are right now.

Choose Your Path

Select the guide that matches your current life stage.

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20s & 30s

Financial Foundation Checklist

Building from scratch? This guide covers opening your first accounts, starting to invest, and building habits that compound over decades.

8 steps ยท 15 min read Start the Guide โ†’ ๐ŸŒณ

40s

Mid-Career Optimization

Peak earning years call for peak optimization. Maximize tax advantages, catch up on retirement savings, and protect what you've built.

7 steps ยท 12 min read Start the Guide โ†’ ๐Ÿ‚

50s & 60s

Retirement Countdown

The finish line is in sight. Model your retirement income, optimize Social Security, and prepare for the transition ahead.

7 steps ยท 12 min read Start the Guide โ†’ ๐Ÿ”๏ธ

Retirement

First Year Checklist

You made it. Now learn to shift from accumulation to distribution, managing withdrawals, healthcare, and making your money last.

6 steps ยท 10 min read Start the Guide โ†’

The Universal Starting Point

No matter your age, these four fundamentals apply to everyone:

  1. Build an Emergency Fund 3-6 months of expenses in a high-yield savings account
  2. Get Your Employer Match If your employer matches 401(k) contributions, contribute at least enough to get the full match. It's free money.
  3. Pay Off High-Interest Debt Credit cards and other debt above 7-8% should be paid off before heavy investing
  4. Invest and Automate Open an IRA, invest in low-cost index funds, and set up automatic contributions so wealth builds without thinking about it
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