Question #1 - Are you investing at least 15% of your gross income?

Your Future Deserves a Paycheck Too.

If your contributions are under 15% of your gross income, then this is the time to increase that to at least 15% following the Investing Hierarchy Chart

Investing at least 15% of your gross income isn’t just a smart move—it’s a foundational habit for building long-term wealth and financial independence. This percentage strikes a balance: it’s aggressive enough to grow a solid retirement nest egg, yet flexible enough to leave room for other goals, such as paying off debt or saving for a home.

Why gross income? Because your future expenses won’t shrink just because your paycheck did. Planning based on your full earning power ensures you’re not shortchanging your future self.

“Don’t just work for money—make your money work for you.”

Start where you are, grow as you go, and let consistency do the heavy lifting.

• Use your total gross income from each employer or freelance source, because your future bills aren’t likely to shrink. Planning from gross income helps you build a stronger financial foundation.

• You can use your weekly, biweekly, monthly, or annual gross income; however, ensure you’re investing at least 15% of it over that same timeframe.

• Follow the Investing Hierarchy Chart: If the 15% goal exceeds your employer match, contribute up to the match, then invest the remainder according to the hierarchy. If no match is offered, continue investing according to the next steps in the hierarchy.