28d (edited) ā¢ Challenges
š°The 50/30/20 Challengeš°
š°The 50/30/20 Challenge can be found in the classroom section under Module 5š°
This funnel teaches balance without burnout. 50% goes to stability (needs, emergency), 30% to lifestyle and joy, 20% to growth (savings, investing). It works because it honors pleasure and progress. Extremes failāstructure wins.
š°Actionable steps:
Apply the ratio to extra money first (bonuses, found money). Adjust percentages slightly if needed, but never skip growth. Growth is non-negotiable.
š°When NOT to Reinvest Yet (Discipline Check)
Reinvesting too early is just impatience dressed as ambition. If you donāt have an emergency buffer, stable cash flow, or emotional control around money, investing will stress you out instead of growing you. Timing matters.
š°Actionable steps:
š„Ask three questions before reinvesting:
1ļøā£Do I have at least one month of expenses saved?
2ļøā£Can I leave this money untouched for 6ā12 months?
3ļøā£Am I calmānot excited or desperateāabout this decision?
If not, wait. Discipline compounds faster than risk.
Why This Changes Everything?
āļøThis is chess. Every move sets up the next. Money stops being random and starts being strategic. Youāre no longer just savingāyouāre directing, sequencing, and scaling. Thatās how people quietly level up while everyone else is still chasing quick wins.
ā
Remember to check off the mark at the upper right of your classroom lessona to track your progress
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š°The 50/30/20 Challengeš°
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