Start From Zero

A 6-level progression framework. From foundational skills to financial independence to generational wealth and legacy.

0

Build Your Foundation

Essential adult skills and knowledge you need before anything else.

✓ Personal documents (ID, birth certificate, important records)
✓ Banking (opening accounts, understanding banking basics)
✓ Budgeting (tracking income and expenses)
✓ Basic cooking and nutrition
✓ Cleaning and home maintenance
✓ Personal hygiene and basic grooming
✓ Regular exercise and sleep
✓ Transportation and driver licensing
✓ Communication and basic professional skills
✓ Digital security (passwords, privacy)

Explore Foundation Skills →

1

Become Stable

Build financial stability and establish healthy routines.

✓ Build a 3-6 month emergency fund
✓ Control expenses and avoid debt
✓ Secure stable employment
✓ Develop valuable skills
✓ Understand insurance (health, liability)
✓ Establish healthy routines (sleep, exercise, nutrition)
✓ Build basic financial literacy
✓ Save consistently

Explore Money Fundamentals →

2

Build Your First $10,000

Increase income, develop skills, and start investing.

✓ Increase income through skills, promotions, or side income
✓ Develop marketable skills
✓ Start investing (index funds, ETFs)
✓ Understand diversification
✓ Develop additional income sources
✓ Avoid lifestyle inflation

Explore Investing →

3

$10K → $100K

Advance your career, build businesses, scale investments.

✓ Advance career or build your own business
✓ Increase investment contributions significantly
✓ Understand equities and portfolio construction
✓ Learn real estate fundamentals
✓ Build professional networks
✓ Improve financial decision-making

Explore Career & Income →

4

$100K → $1M

Focus on ownership. Build businesses, real estate, diversified investments.

✓ Build business ownership or equity stakes
✓ Invest in real estate (primary residence, rental property)
✓ Build balanced investment portfolio
✓ Understand asset allocation by risk and time horizon
✓ Use leverage responsibly
✓ Manage taxes strategically
✓ Develop strong risk management

Explore Wealth Building →

5

$1M → $10M+

Advanced capital allocation, business acquisitions, professional advisers.

✓ Advanced capital allocation strategies
✓ Business acquisitions and private equity
✓ Commercial real estate and development
✓ Access to private markets
✓ Build professional advisory team
✓ Advanced tax and legal planning
✓ Sophisticated risk management
✓ Estate and succession planning

Explore Advanced Wealth →

6

Legacy & Generational Wealth

Build something that transcends decades and generations.

✓ Generational wealth strategies
✓ Family governance and structures
✓ Estate planning and succession
✓ Philanthropy and impact
✓ Building institutions
✓ Long-term stewardship
✓ Mentorship and leadership

These Aren't Steps. They're Transitions.

You progress when you're ready. Some spend 5 years on Level 1. Others move faster. The key is progress, not speed.

Each level assumes the previous one is solid. You can't scale a business if you haven't built financial stability. You can't invest aggressively if you don't have an emergency fund.

Where Are You Now?

Explore the domains relevant to your current level. Build from there.

Start Today's Checklist Explore All Domains