10 Steps to Get Ahead of 99% Of People Financially (In the Next 6-12 Months)

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Oct 8, 2025

Discover practical strategies to transform your finances in just 6-12 months. Learn to set clear retirement goals and automate your budgeting with a unique system. Build a robust emergency fund while slashing major expenses. Start investing now, even with small amounts, and supercharge your income through skill-building. Understand the importance of tracking your net worth and adopting a wealth mindset. Eliminate high-interest debt aggressively, and protect your assets with insurance and estate planning.

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ADVICE

Set Clear Quarterly Money Goals

Set specific money goals and review them quarterly to maintain focus and momentum.
Break 6–12 month goals into 12-week actions so you make daily progress toward big outcomes.

ADVICE

Automate Your Money Flow

Automate bills, savings, and investments so willpower doesn't control your outcomes.
Use a money split (20% future, 50–60% needs, 20–30% wants) to allocate paychecks automatically.

ADVICE

Build A 1-3-6 Emergency Fund

Build a safety net with the 1-3-6 method: one month, pay high-interest debt, then three months, and eventually six months.
Split extra savings between emergency fund and investments as you progress to six months.

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