MONEY PILLAR
I know my monthly numbers: income, expenses, savings, and debt.
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I keep at least 3–6 months of expenses in an emergency fund.
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I invest consistently toward long-term goals.
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I spend intentionally and avoid impulse purchases.
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I have a plan to reduce or eliminate high-interest debt.
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I earn at a level that matches my skills and market value.
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Money supports my values and mission, not just comfort or status.
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