The Roadmap to Financial Freedom
Financial Freedom is a goal we all hope to attain. But did you know this goal is more attainable than you think? Take a look at our financial freedom roadmap.
Phase 1: Break the Habit (Mindset & Foundation)
Step 1: The Mindset Audit (50/30/20)
Financial freedom starts in the mind. We audit your habits against the 50/30/20 Rule, identifying the “Lifestyle Leaks” we need to plug so you can fund your future without sacrificing your bills.
Step 2: The Simultaneous Shift
We stop the “paycheck-to-paycheck” panic by doing two things at once: we cut the “Wants” to fund a $1,000 Safety Net (for emergencies) while automating your minimum payments (to protect your credit score).
Step 3: The Command Center
Implementation of our proprietary “Financial Command Center.” You will stop guessing and start directing every dollar to a specific job before the month begins.
Step 4: Credit Education & Restoration
We don’t just “fix” your credit; we educate you on the algorithm. We dispute errors and optimize your profile to turn your credit score into a wealth-building tool.
Phase 2: Break the Cycle (Growth & Freedom)
Step 5: The Debt Snowball
We attack the toxic debt (credit cards, personal loans) that keeps you trapped in the cycle. By paying them off smallest to largest, you build momentum and free up cash flow.
Step 6: The Heavyweight Attack
With consumer debt gone, we target the major barriers: Student Loans, Tax Liens, and Medical Collections that haunt your balance sheet.
Step 7: The Lender’s Vault
We prepare you for ownership by building 3–6 months of Liquid Reserves. This isn’t just savings; it is the “Capital” required by mortgage underwriters.
Phase 3: Build the Legacy (Generational Wealth)
Step 8: Ownership & Asset Acquisition
Leveraging your maximized credit score and capital to acquire Real Estate—the cornerstone of American wealth (Powered by United Mortgage Corp).
Step 9: The Wealth Ecosystem
Moving from “Saver” to “Investor.” We activate our partner network to set up Life Insurance, Retirement Accounts (401k/IRA), and Business Funding.
Step 10: Generational Fortification
The final step is ensuring the cycle stays broken. We finalize Wills, Trusts, and Estate Plans to ensure your wealth is passed down, not your debt.
Disclaimer: Ronald Raymond Consulting provides financial education and coaching. We are not a lender. All mortgage financing and loan origination services are referred to and handled through United Mortgage Corp. Cederic Deloach serves as a Business Development Officer for United Mortgage Corp.
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