The 12 Levels Of Financial Freedom

Freedom Planning Fast Track

Freedom Planning: Your Fast Track to Financial Independence

Forget cookie-cutter financial plans and outdated budgeting advice. At BFG, we’re flipping the script with something revolutionary—Freedom Planning. This isn’t just about saving a little more or cutting back on lattes; it’s about reclaiming control of your financial destiny and unlocking the life you actually want to live.

Let’s be real: money means nothing by itself. What people truly want isn’t a pile of cash—it’s freedom. Freedom to live life on their terms, to pursue their passions, to spend more time with loved ones, and to do it all without the constant stress of financial uncertainty. Money is just the tool to get there.

The problem? Most financial advice is centered on some far-off, vague goal like “retirement.” But waiting decades to enjoy the fruits of your labor doesn’t feel empowering. It feels like a grind. That’s why we’ve thrown the old playbook out the window and developed the 12 Levels of Financial Freedom.

The 12 Levels of Financial Freedom

This concept is designed to break your journey into clear, actionable milestones. Instead of focusing on a distant future, we help you achieve meaningful progress every 24 months. Each level brings you closer to true financial independence while letting you enjoy the freedom you’re building along the way.

Where Are You on the Freedom Ladder?

Our first step is to assess where you stand today. Are you just breaking free from financial dependency, or are you well on your way to building generational wealth? Together, we’ll identify your current level of financial freedom and create a custom Freedom Plan that’s tailored to you.

What’s in Your Freedom Plan?

Your Freedom Plan isn’t some generic advice or a vague long-term projection. It’s a set of SMART (Specific, Measurable, Achievable, Relevant, Time-bound), actionable steps designed to get you to the next level of financial freedom within 24 months. We’ll focus on strategies that work for your unique situation—whether that’s building an emergency fund, diversifying income streams, or scaling your investments.

The 12 Levels of Financial Freedom Graph Transparent

The 12 Levels of Financial Freedom

Level 0: The Slave

  • You have no control over your financial life. Entirely dependent on others or circumstances, with no autonomy or financial means.

Level 1: Total Dependency

  • Your livelihood is entirely dependent on someone else (e.g., a parent or partner). No income, savings, or assets of your own.

Level 2: Partial Independence

  • You’ve moved out but still rely on external financial support (e.g., a college student relying on parents or loans). Minimal savings or assets and limited financial decision-making power.

Level 3: Survival Worker

  • Fully independent from family but 100% reliant on a single income source (e.g., one employer or client). Little to no assets or reserves to fall back on if you lose your income.

Level 4: Basic Stability

  • Emergency fund covering 3 months of expenses.
  • Investable assets equal to 1 year of annual expenses.
  • You can quit your job if necessary and take time to find a better opportunity.

Level 5: Entrepreneurial Freedom

  • Net worth of at least 3 years of annual expenses, with 2 years in liquid assets.
  • You can afford to quit your job and launch an asset-light business or pursue entrepreneurship.

Level 6: Business Stability or Passive Income

  • Net worth of 5 years of annual expenses, with 3 years liquid, OR
  • A business generating at least 1 year of annual expenses in shareholder distributions or earnings.

Level 7: Diversified Security

  • Net worth of 10 years of annual expenses, with 5 years liquid, OR
  • Business income diversified across many clients.
  • Alternatively, passive income covers 40% of annual expenses (e.g., rental properties or dividends).

Level 8: Financial Independence (80% Probability)

  • Enough assets to fully retire with an 80% probability of success on Right Capital.
  • Work becomes optional, but you may continue working for fulfillment or security.

Level 9: Financial Independence (100% Probability)

  • Full retirement readiness with a 100% probability of success on Right Capital.
  • Your income from investments or passive sources fully supports your desired lifestyle indefinitely.

Level 10: Robust Wealth

  • Net worth is recession-proof.
  • Diversified across multiple asset classes, with sufficient liquidity to weather financial storms.

Level 11: Generational Wealth

  • Built wealth that sustains not only your retirement but future generations.
  • Your financial system is self-sustaining through passive income, trusts, or other structures.

Level 12: Legacy Builder

  • Wealth is so vast and diversified that it cannot be depleted under normal circumstances.
  • Significant charitable contributions or investments in causes that align with your vision for the world.

Your Freedom Journey Starts Now

This isn’t about grinding harder or sacrificing everything for a distant goal. It’s about playing smarter, hitting tangible milestones, and living a more fulfilling life along the way. If you’re ready to stop dreaming and start building, let’s create your Freedom Plan and get you to the next level.

Let’s do this.

Take the First Step Toward Financial Freedom

Your journey starts with clarity. The first step? Identifying your current freedom level.

Here’s the deal: The 24-month program isn’t a commitment—it’s a bold target designed to get you to the next level. We’ll tailor the program to fit your circumstances, whether you want to move aggressively or take a more conservative approach.

But make no mistake—this isn’t for everyone. We’re looking for clients who are serious about their financial freedom. If you’re ready to commit, we’ll match your energy and deliver results.

Your freedom won’t wait. Will you?