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Stage 0 - Complete Financial Dependence

Active Cash Flow < Lifestyle Cost

Anyone whose active income (salary) cannot cover their lifestyle, and relies on family, friends, or a welfare check to support themselves are at Stage 0. This is where everyone starts out, but Stage 0 isn’t just limited to children living at home.

The only way out of Stage 0 is to increase your income or reduce your Burn until you can support yourself. There is no other way.


Get out of this stage as fast as possible!

Increase your Savings Rate