Now take a moment and close your eyes. Take a deep breath, and take it all in! You made it! You have been on a journey that possibly has taken every ounce of courage and stamina and intense focus you could muster. But, YOU ARE DEBT FREE! So now it’s time to become intentional with your money.

You have been hyper focused on your debt payoff goals and achieving those initial steps. You’re now debt free. No payments except your home mortgage or renting and maybe saving for a home. You have an emergency fund locked in for 3-6 months of your expenses. Now what do I do? What do I do with the money I have coming in now that I’m not living paycheck to paycheck any longer? This is where the budgeting really gets fun, because you can see your hard work in action. You can see the results of the sacrifice and effort put in to achieving your goals.

Now, exhale and prepare for the next steps to financial freedom and peace of mind. It’s time to invest for your future, for your kids future, for your retirement. It’s time to plan and dream about what your life can look like and we will show you how to achieve those goals.

The next steps are:

• Investing for retirement. 401K, IRA, mutual funds, HSA, etc. You want to have your nest egg plan and goals in place.

• Invest for your kids college if that is something you are planning to do.

• Pay off your home early. Imagine retiring and having no house payment, or you pay it off early before retirement, and what you could save and do with that money.

• Now it’s time to plan on what to do when you retire. You can live and give like no one else because you lived like no one else in this process. We will walk though and support every step in the process, no matter where you are in life.