The “The Start Now, Retire Sooner" Checklist Your 20s–30s Guide to Building Wealth before Everyone Else Figures it out

1️⃣ Know Your Numbers

☐ I know my monthly income, expenses & savings rate

☐ I have a clear emergency fund goal (3–6 months)

☐ I know exactly how much I can invest monthly without stress

2️⃣ Set Your Investing System

☐ I’ve chosen a retirement account (401(k), Roth IRA, Traditional IRA)

☐ I’m contributing enough to get my employer match (if available)

☐ I’ve automated monthly investing (non-negotiable!)

3️⃣ Pick Your Long-Term Strategy

☐ I’m investing in diversified, long-term assets (index funds, ETFs)

☐ I understand compound growth and how time multiplies my money

☐ I’ve stopped trying to "time the market"

4️⃣ Protect Future You

☐ I have basic insurance (health, auto, renters/home)

☐ I’ve eliminated or reduced high-interest debt

☐ I’ve created a simple backup plan for unexpected expenses

5️⃣ Increase the Gap Between What You Earn & What You Invest

☐ I’m working on increasing income (raises, skills, side gigs)

☐ I’ve cut wasteful spending that doesn’t improve my life

☐ I redirect all new income increases into retirement and weatlh building accounts

6️⃣ Track + Review Monthly

☐ I review my net worth once per month

☐ I increase my investment amount at least once a year

☐ I stay focused on the long-term, not the news cycle

7️⃣ Commit to Your Future

☐ I’ve written down my “Why I’m Investing Now”

☐ I have a clear 10-year money vision

☐ I’m surrounding myself with people who care about wealth building

🎯 The great news is, if you can check 75% of this list — you’re already ahead of 90% of your generation.

Time is your biggest advantage. Don’t waste the years everyone else wishes they could get back. Can't check off 75%? No need to panic, just call us today!