Cash Flow Coverage

How much of your monthly living expenses are currently covered by passive or investment income?

None –– I rely fully on my job income

A little –– I have some cash flow, but it's small.

A good amount –– My assets cover part of my expenses.

Most or all –– I could live on asset-based income alone.

Money Allocation Habits

When you have extra cash each month, where does it usually go?

Into a savings account or CD.

Into my 401(k), IRA, or other retirement accounts.

Into real estate, stocks, or side investments.

Into tax-advantaged accounts designed for safe growth and leverage.

Experience with Leverage

Have you ever used borrowed money (leverage) to grow wealth?

No, never

Yes, but it felt risky or I lost money.

Yes, carefully (like real estate, business loans, or other assets).

Yes, and I actively use leverage as part of my strategy.

Safe Compounding + Borrowing

If you could borrow money while your savings continued growing safely without interruption, what would you do?

I’d never borrow against my savings.

I might borrow small amounts for emergencies.

I'd use it strategically for wealth-building opportunities.

I'd maxmize this as often as possible –– it's a safe accelerator.

Biggest Financial Concern

What feels like the biggest obstacle to reaching financial freedom?

Market losses wiping out years of progress.

Rising taxes eroding my future income.

Not knowing my exact financial freedom roadmap.

Conflicting financial advice from too many voices.

Tax-Free Growth Exposure

How much of your money is currently in tax-free or tax-advantaged growth vehicles?

None – All my money is in taxable or tax-deferred accounts.

A little.

A fair amount.

Most of my wealth is structured for tax-free growth.

Timeline for Freedom

When do you want to be in a position where assets — not your job — cover your lifestyle expenses?

At traditional retirement age.

Within the next couple of decades.

Within the next 5–10 years.

As soon as possible.

View of Life Insurance in Wealth-Building

How do you currently see life insurance in financial planning?

Just an expense or death benefit.

Possibly useful, but I don’t understand how.

A strategic tool for certain wealth strategies.

A cornerstone of tax-free compounding and leverage.

Investment Philosophy

Which best describes your approach to building wealth?

Chase high returns, even if it’s risky.

Play it safe, even if it means slower growth.

Diversify across traditional strategies (market, real estate, etc.).

Prioritize safety, compounding, and smart leverage to accelerate financial freedom.

Value of Knowing Your Path

If we could help you build your Financial Freedom Roadmap, how valuable would that be?

Nice to know, but not urgent.

Very valuable –– I'd want to plan around it.

Critical –– I'd want to take action right away.

Essential –– I'd schedule a session immediately to map it out.

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