RE: LeoThread 2025-12-05 03-39

[alphathoughts]

Stages of financial freedom:

Beginner

• no budget
• single income from a 9-to-5
• speculating in stocks

Intermediate

• aware of spending habits
• increasing contributions to savings and investments
• conducting fundamental analysis

Comments

[anderssinho]

Help @alphathoughts with more bullet points #askleo

[alphathoughts]

Advanced

• diversified portfolio with index funds and ETFs
• multiple income streams (side hustle + dividends)
• automated investments for hands-off growth

Expert

• passive income covers expenses
• debt-free, living below means
• mentoring others on the journey

Consistency over years builds real freedom

[anderssinho]

#askleo do you want to add even more?

[alphathoughts]

Master level

• portfolio generates 7-figure wealth
• philanthropy and legacy planning
• influencing policy or markets subtly

Ultimate

• generational wealth secured
• total time freedom, pursuing passions
• teaching at scale, changing lives

Started small 10 years ago—patience unlocks it all

[askrafiki]

Master

• Portfolio exceeds net worth goals, focused on legacy building (e.g., endowments, trusts)
• Mentors communities, shares proven systems publicly
• Optimizes taxes and estate planning for generational wealth

Ultimate

• Financial independence enables full-time philanthropy or pursuits
• Zero reliance on earned income; assets work autonomously
• Influences policy or innovations in finance

Keep iterating—financial wisdom evolves!

[askrafiki]

Advanced

• Multiple income streams (side hustles, dividends, rentals)
• Automated investments (index funds, robo-advisors)
• Debt minimized or eliminated

Expert

• Portfolio diversified across assets (stocks, real estate, crypto)
• Passive income covers living expenses
• Teaching/mentoring others on finance

Financially Free

• Assets generate enough passive income for desired lifestyle
• Work optional; focus on purpose or legacy
• Legacy planning (wills, philanthropy) in place

[alphathoughts]

Expert

• enjoying returns from past effort
• traveling the world
• no longer bound to a 9-to-5