I have 64 tabs open on my internet browser right now. My computer is running slower than you could imagine and I keep getting distracted.
How my computer feels.
Multi-tasking like this isn’t efficient for work OR for building wealth. To succeed at either one you need a plan and focus.
Having a plan and staying focused makes reaching your financial goals and growing your wealth
EASY
AS
A
PIECE
OF CAKE
That’s the saying right?
But…
Nearly 80% of Americans don’t have a written financial plan. And when they save, most spread their money across too many goals at once.
That’s vibes-based planning.
The result
When you’re unfocused with your savings, you lose the most important force in wealth-building: momentum.
Momentum builds when you start seeing real progress, fast. This keeps you motivated to keep going.
Without that, you’re left with scattered accounts, quarter-funded goals, and that nagging feeling you’re behind (even if you’re saving diligently).
This is one reason 64% of Americans say they’re living paycheck to paycheck. Their money is spread too thin to create meaningful buffers or long-term growth.
The priority you need
Think of your money like a video game (I wasn’t allowed these as a child). You have to beat one level before unlocking the next (I assume that’s how it works).
Here are the goals you want to save for IN ORDER to build wealth with confidence and efficiency:
Emergency fund: 3–6 months of living expenses in a high-yield savings account. This keeps you from going into debt when life throws a curveball.
High-interest debt payoff: Credit cards, payday loans, anything above ~7% interest. Every dollar here is a guaranteed return, because you won’t have to pay that interest.
Retirement savings: Start contributing enough to get any employer match (free money). Then aim for 15% of your income toward retirement accounts.
Short-to-medium-term goals: Home down payment, education savings, major purchases. These are things that can build your wealth.
Extra investments and “nice-to-have” goals: Travel funds, passion projects, early retirement acceleration.
This sequence isn’t random, it’s built to protect your downside first, then capture upside.
Your action plan
Step 1 – List every goal you’re saving for.
Include everything: retirement, home, kids’ education, vacations, even that side project you’ve been dreaming about.
Step 2 – Assign each goal to a “tier.”
Tier 1: Safety (emergency fund, debt payoff)
Tier 2: Growth (retirement, long-term investing)
Tier 3: Lifestyle (travel, luxury purchases)
Step 3 – Redirect your cash flow.
If you’re working on more than one Tier 1 goal, focus on one until it’s complete before moving on.
Step 4 – Automate.
Set up auto-transfers towards your goals so you’re not relying on willpower each month.
To make this super easy, we built a worksheet for you to use!
Do less
If you’re saving for everything at once, you’re saving for nothing.
Pick one priority, give it everything you’ve got, and watch how much faster you hit your target.
Once that’s done, move to the next.
This focus is how to build real wealth with confidence.
Let’s do it!
PS - I’m down to 15 browser tabs open
