FOURTEEN STEPS TO FINANCIAL FREEDOM 1. Give God a chance first. 2. Learn to save money. 3. Learn to spend less than you earn. 4. Don't finance pleasure items. 5. Have cash in an emergency fund. 6. Control your credit cards. 7. Have adequate life insurance to protect your family. ($400,000 - $750,000) 8. Be self-insured for life insurance by age 65 or retirement. 9. Have retirement plan in progress by age 40. 10. Own your home by age 65 or retirement. 11. Have a workable budget - key discipline and control. 12. There is a difference between debt and obligations. 13. Understand the TAX law as it applies to you. 14. Have an estate plan that includes a will and/or living trust.
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