The 3 Zones
The Crisis Zone
• Living Paycheck to Paycheck
• In debt
• Behind on the house or car payment
• Less than $5,000 in the bank
The Foundation Zone
• Build your Emergency Fund
• Saving for a down payment
• Savings for children’s wedding or college
• Saving for retirement
The Investment Zone
With an established financial foundation, moving on to build wealth.
• Savings for investment properties
• Savings to invest in a business
• Investing in the market