A practical wealth “hack” (really: a rules-based system)
Create Positive Cash Flow
Rule: Money in > money out.
If you’re not consistently cash-flow positive, nothing else matters yet.
Create (and Increase) Your Savings Rate
Rule: Pay yourself first. Every time.
Savings rate is the controllable lever that turns stability into wealth.
Build a Portfolio Designed for Multiple Environments
Rule: Don’t bet your future on one market season. Build a portfolio that can endure inflation, recessions, rate changes, and unexpected volatility—not just bull markets.
Use Income-Based Savings Adjustment
Rule: When income rises, savings rises faster.
Strong years: route more into savings + investing (lock in progress)
Lean months: protect stability and momentum (avoid panic moves)
This prevents lifestyle inflation and keeps your plan moving forward.
In Retirement, Run the Perpetuity Rule
Rule: Withdrawal Rate ≤ Investment Return*
If you consistently take out less than the portfolio can reasonably earn, the plan can potentially go the distance.
*Simplified concept. Real-world results vary.
Make this system a part of your plan—not just a concept.
Book a no obligation 20-minute call and we’ll map your cash flow, savings rate, and retirement durability into a simple next-step plan.
No obligation. Educational conversation—no pressure.
Important DisclosureThe information provided is for educational purposes only and does not constitute personalized investment advice. Investors should evaluate suitability based on their individual objectives, time horizon, and risk tolerance. Investors should perform their own due diligence or consult a qualified financial professional before making any investment decisions. All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.