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Struggling<br />
Steady<br />
Solid<br />
Surplus<br />
Service<br />
Struggling<br />
•Youarealwaysshortofmoneyattheendofthemonth<br />
•Youarewaitingforsomethingtohappentobeabletopayyour<br />
bils(e.g.waitingforataxreturn)<br />
•Youareconstantlyborowingmoneyfrompeople<br />
•Youareworiedaboutmoney/financesalthetime<br />
Steady<br />
•YouhaveJUSTenoughtopayyourbils<br />
•Youfeellikeyouare“treadingwater”financialy<br />
•Ifanythinghappens(emergencyrepairunexpectedbil),youwilbe<br />
backtodrowningfinancialy<br />
•Youarealwaysjustatthebrinkofafinancialcrisis<br />
•Ifyouhaveonenegativefinancialevent,youwilbebacktostruggling<br />
•Ifyouhaveonenegativefinancialevent,youwilbebacktostruggling<br />
Solid<br />
•Youtypicalyhavebeenworkingsomewhereforawhile<br />
•Youhavereserves/emergencyfund<br />
•Youaretithingandgivinggenerously<br />
•Youareabletogoonvacationwithoutusingdebt<br />
•Youareconsistentlypayingintoyourretirementfundandmay<br />
evenhavesomeotherinvestmentsinthestockmarket<br />
evenhavesomeotherinvestmentsinthestockmarket<br />
Surplus<br />
•Youhaveextramoney<br />
•Youhavebeenworkingsomewhereforawhile<br />
•Youhavethesamecharacteristicsassolid,butinadditionmostof<br />
yourdecisionsaredrivenbywhetherornotyouwanttodosomething<br />
(nothowmuchmoneyitwiltake)<br />
•Youmostlikelyownabusinessand/orsomerealestate<br />
•Youmostlikelyownabusinessand/orsomerealestate<br />
investmentinadditiontoyourstockmarketinvestments<br />
Service<br />
•Youarenotconcernedaboutmoneyforday-to-daythings<br />
•Youthinkmoreaboutgivingbackandblessingothers<br />
•Youarelessworiedabouthowtoincreaseyourincome<br />
andmoreconcernedaboutpayinglesstaxes<br />
•Youarethinkingabouthowto‘passthingson’,<br />
buildalegacy<br />
buildalegacy<br />
FiveLevelsOfFinancialBeing<br />
Inordertochangeyourcircumstances,youhavetobeveryclearaboutwhereyouareandwhereyouwant<br />
togo.Thefirststepinthistransformationprocessistoassessyourcurentcircumstancessoyoucan<br />
accuratelydecideyournextsteps.<br />
Afteryouhaveidentifiedyourlevel,committolivetheprinciplesofthisteachingseries,andgetina<br />
financialsmalgroupinordertomoveuptohigherlevels.Ifyouareatthe“Service”levelnow,leada<br />
financialsmalgroupinordertohelpothersadvancetohigherlevels.<br />
Readthefolowingcharacteristicsandpickthelevelthatbestdescribesyourcurentfinancialsituation:<br />
IdentifyYourLevel
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