The Exact Formula I Use That Allows Me to Sustain and Grow My Wealth
(and how you can use it too)
Welcome back, Expires! On this week’s episode of the Expand Your Empire podcast, I broke down the steps to building sustainable wealth that I have used and now share with my clients as well. In this episode, I give my exact formula away for FREE, and I am about to give it to you for FREE here as well.
Listen to the podcast:
Watch the podcast:
We Talk A Lot About Mindset Here
We have talked about your confidence, your beliefs, and your relationship with money… but let’s be real here, mindset alone can only take you so far.
Once you’ve done the inner work and reclaimed your confidence so that you can build wealth without holding yourself back, the next step is structure. We all have good intentions, but even the best of intentions can’t compete with chaos.
The good news is that building wealth does not solely rely on your discipline, but it does rely on your direction.
That is why I am sharing with you my complete five-part financial system that teaches you how to grow your wealth and protect it so that you can sustain it!
The 5-Account Financial System That Creates Sustainable Wealth
This is the system I use personally, and it’s the foundation I teach my clients. It takes the emotion out of money management so that you can build wealth without having to stress or worry about it 24/7.
1. The Income Hub
What is it: Every dollar you earn is going to be deposited here.
What is the purpose? You control where your money goes next.
2. The Operating Account
What is it: This account covers your regular expenses, such as your bills, groceries, gas, or subscriptions. Anything that you can think of as expenses that happen in your day-to-day life.
What is the purpose: Track how much you are spending.
3. The Savings Vault
What is it: This is your savings account. You don’t want to touch this because it is your safety net.
What is the purpose: Let’s be honest, your savings account is so important because it gives your nervous system the safety that it needs to be able to take the opportunities that come your way!
4. The Investment Growth Account
What is it: This is where your money grows! You could connect it to investment platforms, a brokerage, etc.
What is the purpose: This account is so important because it gets you into the habit of investing FIRST instead of last!
5. The Play & Purpose Account
What is it: Link this as your freedom spending fund! You would use this account for traveling, generosity, self-care, really whatever brings you joy!
What is the purpose? This account is essential because it is what is going to keep you sustainable!
Start Simple: If 5 accounts feel like too much right now. Start with just two: an Income Hub and a Saving Vault. You can always expand from there, but I can’t stress the importance of starting!
Automate Your Wealth
Now that you have learned the foundation that creates sustainable wealth. Automation comes in.
Automation is a way to make so many things work for you, and in return, automation automatically creates consistency. The best thing about having automation is that you don’t have to feel guilty for forgetting to pay your bill on time or when you meant to transfer money to your investment accounts, which you’ve been putting off for months.
Automation takes that task away for you! There is an easy way that I do, and I teach my clients, so that they can focus on the things that matter most.
Set up your automations so you can say goodbye to procrastination, decision fatigue, and inconsistency
The Operating Account
Set up all of your bills and debts to be taken out of this account. You can automate a majority of your bills, from your phone bill to your electric bill! When I first did this, such a weight was taken off my shoulders!
The Savings Vault
Automatically set up a transfer so that a percentage of your income goes into your savings vault the day after each deposit.
The Investment Growth Account
Automate your investments monthly through your investment growth account! The goal of this is to get into the habit of investing FIRST instead of LAST!
We all want to be wealthy and financially free, and it is possible! Automation turns your good intentions into evidence that you can be trusted with wealth!
Protect What You Build
The next step, once your money is flowing smoothly, is to safeguard it. Wealth is not just about making money; it is also about keeping it!
Here’s how:
Emergency Fund: 3–6 months of living expenses.
Insurance: Health, life, and disability coverage = peace of mind.
Credit Management: Strong credit isn’t about spending; it’s about the leverage you have when you have strong credit!
Legal Protection: If you own a business, separate and shield your assets with an LLC or trust… I cannot stress this enough!
Let’s be real here, we all wish we could have a 100% safety net so that we can have peace of mind. This is that safety net! When your foundation feels secure, you can start leading with confidence and stop operating from fear!
Grow Strategically
Once your systems are in place, it’s time to grow them.
There are three types of income:
- Earned – from your job or business.
- Passive – from investments or automated systems.
- Portfolio – from capital gains and equity.
Now, here is the formula that you are going to use to grow your income:
You are going to use the income that you have earned to buy assets that create passive income and, over time, become portfolio income.
Here is an example:
You could use your business credit to purchase equipment that increases your revenue. Or use a home equity line of credit to buy a property that pays for itself.
Here is the truth… Wealthy people are not lucky; they don’t work harder. They make their money work harder.
I want you to ask yourself this:
“If every dollar I earn is an employee, am I giving it a job that produces more income?”
Avoid These 5 Common Mistakes
- Overcomplicating your system. Keep it simple.
- Skipping savings. Pay yourself first.
- Neglecting reviews. Tune your system monthly.
- Mixing business and personal accounts. Separate them immediately.
- Focusing only on income. More money can’t fix a messy system.
Always remember that structure comes first, growth comes second!
Create Your Wealth Routine
Wealth isn’t a one-time achievement; it is consistent.
Here’s a simple structure to keep your money in motion:
Weekly: Have a “money date.” Review, adjust, and celebrate progress.
Monthly: Track net worth, expenses, and upcoming goals.
Quarterly: Evaluate what’s working and refine your systems.
Your systems do not restrict you; they free you. They create predictability so you can finally relax, make better decisions, and focus on growth.
Ready to Build Your Empire?
If any of the things we discussed light you up, you are not alone… and you do not have to be! Women are turning their financial flow into financial freedom, inside the Expand Your Empire Community!
A community of women who are learning to lead their money with confidence, automate their abundance, and grow wealth that lasts.
You do not have to do it alone, as a matter of fact, women were never supposed to thrive in the community, and that is exactly why the Expand Your Empire Community exists!