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5 Stages of Money

Simple & Effective Stages to Turn Your Money Around

These stages give you specific actions, showing you how to conquer your emotions, how to pay off debt, and how to invest in index funds in order to gain financial freedom.


  1. Mindset Stage
  2. Regressive Debt Stage
  3. Retirement Investing Stage
  4. Progressive Debt Stage
  5. Non-retirement Investing Stage


Learn more about each stage below:

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This book describes these 5 stages of money in detail.

Get it here

1. Mindset Stage

Face Your Money

Believe You Can Win

Believe You Can Win

How to pay off debt

No problem was ever solved by avoiding it.


Your money is connected to everything you do.  You can't hide it.


To conquer your negative feelings of fear, shame, and guilt, know there is hope.

Face Your Money

Believe You Can Win

Believe You Can Win

Believe You Can Win

How to pay off debt

Many people don't try because they don't see any hope in conquering their money.


YOU can do this.


Success in any goal comes down to effort.

How much are you willing to work?

Believe It

Create Big Goals

Believe You Can Win

Create Big Goals

how to pay off debt

Goals give us growth.


Goals keep us focused.


Some examples are:

- Pay off $1,000 debt each month.

- Invest $1,500 monthly into retirement.

Set Big Goals

2. Regressive Debt Stage

Pay Off Debt

Create a Budget

Pay Off Debt

How to pay off debt

Debt steals your future income.  

When you have debt, you are obligating your future income to those payments.


Debt is expensive.

Don't throw away your income to interest.

Conquer Your Debt

Live on Less

Create a Budget

Pay Off Debt

How to pay off debt

This is common sense, 

yet why don't we do this?


We are emotional beings with egos and an image to uphold.  When your ego drives your spending decisions, you're in trouble.

Live On Less

Create a Budget

Create a Budget

Create a Budget

How to pay off debt

"What gets measured, gets managed." 

- Peter Drucker


A budget isn't a constraint.  

You develop your budget.

You're in control of your budget.

Create a Budget

3. Retirement Investing Stage

Invest in Retirement

Invest in Retirement

Invest in Retirement

how to pay off debt

The two most powerful variables of compounding are time & contributions.


The sooner you start investing, the sooner you'll see the magic of compounding work in your accounts.


The more consistent you invest, the more powerful compounding will be.

See How Compounding Works

Retire Early

Invest in Retirement

Invest in Retirement

How to pay off debt

Consistently investing in yourself and appreciating assets creates passive income.


Consistency, discipline, and patience pay off when you practice them over the long-run.


Appreciating assets are the path to wealth.


Work then becomes optional.

Retire Early

Make More Income

Invest in Retirement

Make More Income

how to pay off debt

 To win with money, figure out how to earn multiple streams of income.


The opportunities are endless.

Here are some options:


- passive income

- part-time job

- side hustle

Make More Money

4. Progressive Debt Stage

Save an Emergency Fund

Analyze Opportunity Costs & Fees

Analyze Opportunity Costs & Fees

how to pay off debt

 We live in an imperfect world where unexpected things happen.  


Calculate a month of expenses, multiply by six, and save that much money.


Having six months of expenses gives you time to adjust if something happens to your income.

How to Save

Analyze Opportunity Costs & Fees

Analyze Opportunity Costs & Fees

Analyze Opportunity Costs & Fees

how to pay off debt

Every debt you decide to take on creates an opportunity cost for that cash, even debt on appreciating assets.


Know the costs & fees before you sign the documents.


Make sure this is the best deal for you.

Save a Down Payment

Analyze Opportunity Costs & Fees

Save a Down Payment

how to pay off debt

Saving up a down payment shows you are committed.


Saving a down payment:

- reduces your risk

- gives you more time

- shows your lender you are ready

- improves your decision-making ability


5. Non-retirement Investing Stage

Invest in Appreciating Assets

Invest in Appreciating Assets

Invest in Appreciating Assets

how to pay off debt

Appreciating assets are the path to wealth.


The three most popular appreciating assets are:


Stock-related Investments

Real Estate

Businesses

How to invest

Gain Financial Freedom

Invest in Appreciating Assets

Invest in Appreciating Assets

How to pay off debt

Every debt you decide to take on creates an opportunity cost for that cash, even debt on appreciating assets.


Know the costs & fees before you sign the documents.


Make sure this is the best deal for you.

Stay the Course

Invest in Appreciating Assets

Stay the Course

How to pay off debt

Zig Ziglar said: 


"People often say that motivation doesn't last.  Well, neither does bathing, that's why we recommend it daily."


Discover your sources of inspiration and go back to them every day.

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Gain strategies on how to pay off debt, how to invest in index funds, and win with your money.

Copyright © 2023 Cori Arnold - All Rights Reserved.

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