

Stage 1: Survival
This stage identifies someone fully dependent on each paycheck, working towards getting their expenses to be less than their income, and living with basic necessities.
Stage 2: Debt Management
This stage indicates working towards lowering and consolidating their debt. A main goal of someone in this stage is learning and working towards getting their net worth above zero.
Stage 3: Growth
This stage identifies someone working towards quality financial management, including setting up an emergency fund, strategic budgeting, and learning about growing wealth.
Stage 4: Investing
This stage is for someone looking to grow wealth through investing. A goal of someone in this stage is getting confident with what investing options are available and best suited for long term goals.
Stage 5: Optimization
At this stage, the individual is ready to start mastering passive income and investing strategies that allows them to see consistency with their wealth growth.
Stage 6: Financial Freedom
At this stage, time is no longer traded for money as all assets are fully covered by expenses. Legacy wealth is the goal. Reaching this stage is our ultimate mission for followers of H7FS.

Personal tools to enhance your learning experience
We offer a variety of tools, services, and products to help drive results regardless of your starting off point
Your SOP is determined to help you see your potential and determine specific action steps to moving towards the next step
The ultimate goal is to help you achieve financial freedom by following our tips and resources in a judgement-free and supportive environment
How our other members identify
Survival Stage
Debt Management
Growth and Learning
Investing
Financial Optimization
Financial Freedom
