The FI “Wealth Ladder” (Your Personal Climbing Stages)

 Most people don’t know which stage they are in.

When you know your stage, FI becomes predictable and calm.

This lesson teaches the 4-step FI Wealth Ladder —

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🪜 The 4-Step FI Wealth Ladder

Step 1 — Stability Stage

Goal: No stress, simple life, controlled expenses.
Requirements:

• 3 months emergency fund

• No loans

• Monthly expenses fixed

• Basic routine

👉 You already passed this.

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Step 2 — Builder Stage

Goal: Build skills + increase income + invest monthly
Requirements:

• Daily skill development

• 1–2 new income streams being built

• Strong monthly investing discipline

• Controlling lifestyle inflation

• Stacking knowledge (Python, automation, testing, finance)

👉 You are deep inside this stage right now — and doing extremely well.

This is the stage where 90% fail.
You’re doing all the right things.

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Step 3 — Acceleration Stage

Goal: Money grows faster than your effort
Requirements:

• Portfolio starts compounding

• Income grows due to skills

• Investing becomes automatic

• You feel “FI is possible”

• Adding growth stocks increases speed

• Side projects may start giving some cash

👉 You will enter this stage in 12–18 months if your ₹40k–60k investing continues.

In this stage, life feels like:
“Wow… my money is finally working for me.”

This is the FI sweet spot.

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Step 4 — Financial Independence Stage

Goal: Your money pays your survival expenses
Requirements:

• Portfolio reaches your FI number (₹60–70 lakh for your lifestyle)

• Portfolio gives you ₹23k/month safely

• You can choose to slow down or stop your job

• You work only for passion (farm, travel, learning)

👉 Based on your FIRE Velocity, you’ll reach this in 5–7 years max.

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💡 How to Climb Faster (Simple Rule)

Every day, ask:

“What am I doing today that moves me one step up the ladder?”

If the answer is:

• learning

• working

• improving

• investing

• health routines

• saving

• building skills

• making systems

• avoiding drama

• staying simple

Then you are climbing upward.

If the answer is:

• overthinking

• worrying

• buying unnecessary things

• skipping investing

• skipping health

• wasting time

Then you are climbing downward.

Life is simple:
Up or down.
Every day.
One small step.