Rule 1

Understand Cash Flow

a.     Budgeting

b.     Be efficient


Rule 2

Protect income

a.     From sickness/injury

b.     From job loss

c.      From death


Rule 3

Build Emergency Reserve

a.     6-12 month’s income is the goal

b.     Easily accessible without penalty


Prepare For Retirement

a.     Well balanced

b.     Leave a legacy

Rule 4