Living in Abundance

For many of you, abundance is no longer a dream, it’s your lived reality. You’ve worked hard, navigated uncertainty, and made thoughtful choices to create a life where money is not the central worry, but rather a tool that opens doors and expands your options. That is no small accomplishment, and it’s worth pausing to recognize and celebrate.

Of course, this didn’t happen overnight. Each of us has moved through stages of financial growth, learning lessons and overcoming obstacles along the way. Some of you may vividly remember those early years of stretching paychecks, building your first emergency fund, or paying down student loans. Others may now be watching children or grandchildren encounter those same stages for the first time, guiding them with your perspective and experience.

Recognizing these stages not only deepens our own gratitude for how far we’ve come—it also equips us to teach the next generation that financial growth is truly a journey.

The 7 Stages of Financial Growth

1. Awareness – Beginning to see your financial picture clearly and setting intentions for the future.
2. Independence – Covering your own expenses and stepping fully into self-sufficiency.
3. Breathing Space – Breaking free from paycheck-to-paycheck living and creating some margin.
4. Security – Paying down debt and building a reliable safety net for emergencies.
5. Flexibility – Having saved years of expenses, giving yourself the freedom to pause or pivot.
6. Freedom – Living on income generated from your investments; work becomes a choice rather than a necessity.
7. Abundance – Money is no longer a limitation. You live with options, generosity, and peace of mind.

What’s Next?

Many of you are now living in Stage 7. And with that comes a profound truth: you have choices. You can choose how to invest, how to give, how to support your family, and how to align your wealth with your values and your vision for life.

Here’s how I can help in this chapter of your journey.I will guide you in

• Refining strategies to protect and grow what you’ve built.
• Exploring opportunities that bring fulfillment and meaning, not just financial returns.
• Guiding conversations with your children, so they begin their own journeys with wisdom and confidence.
• Ensuring that your wealth tells a story of purpose as well as prosperity.

Abundance is not simply about having more, it’s about the freedom to choose well. And that is a journey we can walk together.