🟡 Wealth System
Wealth isn’t the goal. It’s the fuel that buys autonomy: the ability to say no, walk away, and choose how you spend your time.
Why This Matters
Financial stress is one of the top causes of anxiety, relationship problems, and health issues. Financial peace removes a constant background drain on your mental resources.
The reality: Wealth is more about behavior than intelligence. Simple, automated systems beat clever strategies.
Where to Start
Living paycheck to paycheck? Start with Emergency Fund. Even $1,000 transforms your relationship with money.
Already have savings? Set up Automated Investing. Remove yourself from the equation.
The Priority Order
Follow this sequence. Don’t skip steps:
- $1,000 emergency fund: Breaks the paycheck-to-paycheck cycle
- Employer 401k match: Free money, take it all
- High-interest debt elimination: Stop the bleeding
- 3-6 month emergency fund: Full financial buffer
- Max tax-advantaged accounts: 401k, IRA, HSA
- Taxable investing: After maxing tax-advantaged
Concepts
- Compound Interest: Time is the most powerful variable
- Asset Allocation: 91% of returns come from this decision
- Active vs Passive Investing: A bimodal approach works best
- Cash Flow Principle: Awareness changes behavior
- Human Capital: Your largest financial asset
- Insurance & Risk: Hedge catastrophe, self-insure the rest
- FIRE vs Balance: Aggressive saving without ruining your life
Protocols
- Build Emergency Fund: One-time • 🔥 Foundation • ✅ Start here
- Automate Investing: Set once • 🔥 Compound • ✅ Start here
- Manage Debt: Good debt vs bad debt
- Optimize Taxes: Annual • High impact
What to Avoid
→ Wealth Anti-Patterns: Common mistakes that destroy wealth
How Wealth Connects to Other Domains
Wealth is the resource layer. It enables the others:
- Wealth → Purpose: Financial clarity creates space for presence
- Health → Wealth: Rest impacts earning capacity
- Wealth → Social: Financial stability enables generosity