๐ฑ The Fiscal Flow: From Debt to Compounding
Every financial journey follows a natural growth path โ from clearing debt roots to expanding wealth canopy.
1. Roots: Debt Reduction
Eliminate high-interest credit card debt first. This builds stability and frees up cash flow. Think of it as nourishing the roots of your financial tree โ unseen but essential.
- Pay down all >10% APR debt
- Build a small emergency fund
- Stop new credit use
โฌ
2. Trunk: Stability & Growth
Once your roots are strong, you can build the trunk โ your financial foundation. Redirect payments into consistent investing and savings habits.
- Contribute to your 401(k) up to the match
- Increase savings rate to 15โ20%
- Invest automatically every month
โฌ
3. Canopy: Compounding & Freedom
This is where your money works for you. Youโre debt-free, disciplined, and your assets now grow exponentially through the power of compound returns.
- Max out retirement & brokerage accounts
- Diversify with purpose and patience
- Invest in your values and future goals
โFinancial freedom isnโt about timing the market โ itโs about removing friction so your money can finally grow without resistance.โ