WayPoints Journey
Chart Your Course to Financial Freedom
ZERO IN
30 Days or Less
WayPoint 1
Chart Your Course
(Build Your Financial Plan)
Setup CashFlow Plan (Budget)
Focus | Organize | Prioritize
WayPoint 2
Setup Life-Shield
(Protect Your CashFlow Plan)
Protect Your Income | Assets
Insurance | Estate | Legacy Planning
WayPoint 3
Build Your Financial Crew
(Professional Guidance)
Expert Support and Accountability
Launch | Monitor Your Plan
CLEAR RISKS
24 Months or Less
WayPoint 6
Expand Safe Zone
(Complete Emergency Fund)
Self Insure for Unplanned Events
Save 3–6 Months of Living Expenses
WayPoint 5
Break DebtWave
(Eliminate Financial Risk)
Payoff All Non-Mortgage Debts
Lowest to Highest Balances
WayPoint 4
Establish Buffer Zone
(Protect CashFlow Plan)
Set Up Monthly CashFlow Buffer
Initial Emergency Fund < $2500
SAIL FORWARD
24 Months – Lifetime
WayPoint 7
Homeward Bound
(Setup Debt-Free Home Ownership)
Save Down Payment for Home Purchase
Refinance Mortgage < 15-Year Term
WayPoint 8 (A | B | C)
Forge Ahead
(Save and Invest Long-Term)
Save for Retirement | Children’s Education
Payoff Home Early
WayPoint 9
Fly Colours and Pay Out
(Live Financially Free)
Build Wealth and Give
Investing | Leave a Legacy | Give Charitably
ZERO IN
30 Days or Less
WayPoint 1
Chart Your Course
Create an Overall Plan
Cash Flow Plan (Budget)
WayPoint 2
Setup Your Life-Shield
Protect Your Assets
Estate & Legacy Planning
WayPoint 3
Get Accountability & Support
Find a Partner or Professional
Enact and Fulfill Your Plan
CLEAR RISKS
24 Months or Less
WayPoint 4
Save an Initial Emergency Fund
$1,000 – $2,500
WayPoint 5
Payoff All Non-Mortgage Debts
From Lowest to Highest Balances
WayPoint 6
Complete Your Emergency Fund
Save 3 – 6 Months of Living Expenses
SAIL FORWARD
24 Months – Lifetime
WayPoint 7
Homeward Bound
Save To Purchase A Home
Refinance Mortgage to 15 Year Term or Less
WayPoint 8
Forge Ahead
Save | Invest | Payoff
Retirement | Education | Home
WayPoint 9
Fly Colours and Pay Out
Build Wealth and Give
Invest | Leave A Legacy | Give Charitably