{"id":66486,"date":"2022-05-10T21:55:01","date_gmt":"2022-05-11T01:55:01","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=66486"},"modified":"2022-05-17T22:32:20","modified_gmt":"2022-05-18T02:32:20","slug":"how-to-make-a-financial-plan","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/how-to-make-a-financial-plan\/","title":{"rendered":"How to Make a Financial Plan in Just 4 Steps"},"content":{"rendered":"\n

Are you wondering how to make a financial plan? Are you looking for an easy way to save money?<\/p>\n\n\n\n

Luckily, Tony Robbins has answers for you in Money: Master the Game<\/em>. In just four steps, you can master the art of finances and develop a rich lifestyle<\/a>.<\/p>\n\n\n\n

Keep reading to learn how to make a financial plan by keeping a positive attitude and investing wisely.<\/p>\n\n\n\n\n\n\n\n

Making a Financial Plan<\/h2>\n\n\n\n

Robbins explains that most people end up without enough money because they don’t know how to make a financial plan. Afraid to look at their finances, they simply hope that things will work out and tell themselves that financial skills are too far above them. <\/p>\n\n\n\n

However, this mentality leads to uncertain outcomes: If nobody steers the ship, there\u2019s no telling where you might end up. To ensure a positive outcome, make a plan and follow through with three key commitments<\/strong>: Focus relentlessly, commit completely, and embrace serendipity.<\/p>\n\n\n\n

Keep these three commitments in mind as you make your plan, which involves these four steps:<\/p>\n\n\n\n

Step #1: <\/strong>Get Your Bearings <\/h3>\n\n\n\n

The first step to making a financial plan is to figure out where you\u2019re starting from. Take an honest look at your financial situation, however scary it may be. <\/strong>As Robbins explains, you can\u2019t get physically fit without acknowledging your current health and measuring your progress\u2014and the same is true of your financial health. (Shortform note: In contrast to Robbins, in The Obstacle is the Way<\/em><\/a>, Ryan Holiday recommends starting immediately and adjusting as you go<\/a>. If you struggle to take action, this can help you avoid getting bogged down in the planning stage and build momentum<\/a> so that you\u2019ll keep going. As you go, learn quickly from every mistake you make and adjust your strategy accordingly.)<\/p>\n\n\n\n

Step #2: Set Your Destination <\/h3>\n\n\n\n

You need to set a clear destination to get anywhere: Calculate how much you need to save and invest to obtain monthly returns that can support your desired lifestyle.<\/strong><\/p>\n\n\n\n

Robbins says that you can reach financial well-being with much less money than you think. He suggests five levels of financial well-being:<\/p>\n\n\n\n

Level #1: Financial Safety\u2014<\/strong>you can cover five of your basic needs\u2014housing, food, utilities, transportation, and insurance\u2014with your investment yields. In other words, you don\u2019t have to work to pay for them. <\/p>\n\n\n\n

Level #2: Financial Robustness\u2014<\/strong>You have enough additional investment income to cover half of your desired luxuries\u2014such as gym membership, restaurant expenses, or nice-to-have software subscriptions\u2014without having to work.<\/p>\n\n\n\n

Level #3: Financial Sovereignty\u2014<\/strong>You have enough investment income to cover Levels 1 and 2, as well as any other expenses that are part of your current lifestyle. Since you don\u2019t have to rely on earned income, your life\u2014your time\u2014is now your domain, and you can work when and if you want to.<\/p>\n\n\n\n

Level #4: Financial Autonomy\u2014<\/strong>You\u2019ve met the above goals and can also afford a few significant luxuries\u2014such as a vacation house or long-term travel\u2014without having to work for them.Level #5: Complete Financial Autonomy\u2014<\/strong>You can do whatever you want, whenever you want\u2014without having to work to afford it. Money is no longer a concern for you or your family, and you can live your life entirely on your own terms.<\/p>\n\n\n\n

To move past this stage in your financial plan, Robbins recommends picking three goals from the above: An easy, medium, and hard goal. Achieving the easy goal will feel great, build momentum, and motivate you to reach for your medium and hard goals.<\/p>\n\n\n\n

Step #3: Start Saving<\/h3>\n\n\n\n

Once you\u2019ve figured out where you are and where you want to end up, it\u2019s time to start saving in the third step of building your financial plan. Decide on a percentage\u2014such as 10%, 15%, or 25%\u2014of your monthly income to save, and \u201cpay yourself\u201d by setting that aside before paying any other bills or other expenses. If you don\u2019t commit to saving a set amount, it\u2019s all too easy to spend it without thinking. This is the principle with which you\u2019ll start investing. <\/p>\n\n\n\n

Robbins also recommends saving up an emergency fund before you start investing. To do this, aim to accumulate enough money to cover your basic expenses for at least six to 12 months.<\/p>\n\n\n\n

You\u2019ll reach your financial goals<\/a> more quickly by saving more and spending less<\/a>. The more you save to invest, the faster your investments can compound.<\/p>\n\n\n\n

Additionally, avoid pitfalls that derail your progress<\/strong>. Robbins explains some unsavory players will take advantage of you to line their own pockets. In general, avoid getting sucked into the marketing hype that encourages you to buy into the newest, \u201chottest,\u201d investments. These mainly profit the brokers, not the investors.<\/p>\n\n\n\n

Step #4: Allocate Your Assets <\/h3>\n\n\n\n

Your assets are your money-earning investments\u2014stocks, bonds, and commodities. Allocation refers to how you divide your money among assets. In other words, to allocate your assets is to build a diverse portfolio of investments by splitting your money among different \u201cbuckets\u201d or asset categories.<\/strong><\/p>\n\n\n\n

Robbins recommends using three \u201cbuckets\u201d or overall divisions of your money in this step of building your financial plan. Decide how to divide your money in whole-number percentages (for example, 30%, 60%, and 10%), based on your own risk tolerance and age. <\/p>\n\n\n\n

Bucket #1: Conservative investments<\/strong>\u2014this bucket is for investments that will grow slowly but steadily, with relatively little risk. This involves cash (it\u2019s important to hold some cash in case you need funds rapidly), government bonds, pensions, annuities, and life insurance policies. Be patient and hold onto these for the long term\u2014in time, they\u2019ll provide exponentially compounding interest.<\/p>\n\n\n\n

Bucket #2: Aggressive investments<\/strong>\u2014this bucket is for investments that might yield massive gains but are also high-risk. These assets include corporate stocks\u2014through mutual funds, index funds, and exchange-traded funds\u2014as well as real estate, commodities (such as gold, oil, and wheat), and foreign currencies.<\/p>\n\n\n\n

Bucket #3: Enjoyable investments<\/strong>\u2014unlike the previous two buckets, this one is for setting aside a small amount of money with which to enjoy your life now. There\u2019s no point in getting wealthy if you aren\u2019t living a good life<\/a> along the way. Pick a small percentage and use that money to do things you love\u2014such as taking a tropical vacation, going to the movies, or getting a new laptop. Investing in your happiness will help you enjoy life and stay moving toward your financial goals.<\/p>\n","protected":false},"excerpt":{"rendered":"

Are you wondering how to make a financial plan? Are you looking for an easy way to save money? Luckily, Tony Robbins has answers for you in Money: Master the Game. In just four steps, you can master the art of finances and develop a rich lifestyle. Keep reading to learn how to make a financial plan by keeping a positive attitude and investing wisely.<\/p>\n","protected":false},"author":14,"featured_media":15924,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,31,43],"tags":[617],"class_list":["post-66486","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money","category-self-improvement","tag-money-master-the-game","","tg-column-two"],"yoast_head":"\nHow to Make a Financial Plan in Just 4 Steps - Shortform Books<\/title>\n<meta name=\"description\" content=\"If you have financial goals you want to achieve, you need to learn how to make a financial plan. 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