Last week, we talked about the first pillar of the Plan First Financial Path, Clarify your goals and priorities. Because once you know where you want to go, the next question becomes practical. Do your day to day money habits actually support those goals?

In this episode, I break down Pillar Two of the Plan First Financial Path, Build a foundation. This pillar is all about understanding where your money goes, knowing your true living expenses, and creating awareness around cash flow and debt.

We talk about simple ways to track spending using tools many people already have, how to identify where dollars are quietly leaking, and why awareness is not about restriction but control. I also walk through common approaches to debt reduction, including the snowball and avalanche methods, and how to choose the approach that actually keeps you consistent.

Without a clear foundation, it becomes very difficult to intentionally allocate your dollars, no matter how strong your goals or investment strategy may be. This episode explains why building a foundation is critical before moving on to investing with purpose.

Helping you to be wise with your money!
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Most people think financial planning starts with numbers. In reality, it starts with clarity.

In this episode, I break down the first pillar of the Plan First Financial Path, Clarify your goals and priorities. Before any investment, tax, or retirement strategy makes sense, you have to know what your money is actually for.

I explain why vague goals lead to reactive financial decisions, how priorities create meaningful tradeoffs, and why this first pillar sets the direction for every other part of your plan. We talk about the difference between dreaming and deciding, and how clarity helps align spending, saving, investing, and risk with what matters most to you.

This episode kicks off a seven-week series exploring each pillar of the Plan First Financial Path and explains why the plan always comes first, before trying to manipulate investments to reach a goal.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...

Most people think financial planning starts with picking investments. In reality, it starts with a plan.

In this episode, I introduce the Plan First Financial Path, a holistic framework built to help people make smarter financial decisions with intention, not reaction. The Path is made up of seven interconnected pillars that work together to support your specific goals, not a one size fits all checklist.

Those seven pillars are Clarify your goals and priorities, Build a foundation, Invest with purpose, Pay less taxes over time, Protect what you are building, Turn savings into income, and Live, adjust, repeat.

These are not steps to complete once and move on from. They are a flexible, evolving approach to financial planning where the plan always comes first and the investments serve the plan, not the other way around.

This episode sets the foundation for a seven week series where we will break down each pillar in detail and show how they work together to guide real life financial decisions across every stage of life.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...