Financial Freedom
There are few things as great as freedom. Freedom of speech, Freedom of expression. Freedom is at the heart of the American dream. Financial freedom is feeling you get when you are no longer feel stress about money but instead know how to manage it and understand how to utilize it.
Financial Responsibility
We take responsibility for many things in our life. Money should be no different. We need to be responsible for where our money is going. Taking a timeout before making impulse buys or saving money for a large purchase instead of buying it on credit are examples of taking responsibility.
Financial Intelligence
Intelligence is the ability to acquire knowledge and skills. Financial intelligence is acquiring knowledge and skills related to personal financial management. Understanding how banks and lenders think about money will allow you to take advantage of their benefits while avoiding areas where they are trying to nickel and dime you. As I was told many times as a kid by PBS..."The More You Kow"... (I know you said that with the jingle)
Financial Excess
This is what the vast majority of people consider the item that reduces stress around money. Having extra money to use as you want should certainly be a goal for everyone, but it is not the "the" goal. In fact, it is the result of diligent budgeting, but will feel spectacular the first time you go on a vacation with money you saved on purpose.
Financial Sustainability
This program is not a get rich quick system. In fact, if it wasn't for the amazing acronym, this item would come much earlier in this section. Saving or budgeting for a couple of months will feel nice, but it will not create the lasting impact you are looking for. We will only transform our mindset and reach true financial ease if we sustain our system for the long-run. That does not mean you will need to work with me in perpetuity, but your system will last well beyond your engagement with me.