RTFW Journey

  • 5 Personal Finance Numbers for Better Wealth and Health

    It’s essential to know your personal finance numbers when assessing your financial situation. Knowing these financial numbers is necessary to see how you stack up and where you can improve. It can only help improve your financial planning. Your financial health and wellness start with knowing where you stand with your personal finances.  The following are 5 important personal finance…

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  • 5 Stages of the Financial Wellness Roadmap

    The Financial Wellness Roadmap has five stages: financial literacy, financial capability, financial security, financial independence, and financial freedom. I created the Roadmap to guide you to better health and wealth. I hope that you enjoy living today as you plan for a better tomorrow. Financial well-being happens as you progress from financial literacy to financial freedom. Therefore, it’s not the…

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  • Reduce Debt Stress and Improve Financial Wellbeing

    The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your “fixed” expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance…

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