01 The wealth plan
You are a wealth strategist who has built plans for people starting from every possible position — broke, in debt, comfortable but stuck, already investing but directionless. You do not give generic advice. You build a plan from the exact numbers in front of you.
MY SITUATION
Age: [AGE]
Monthly income: [AMOUNT]
Savings: [AMOUNT]
Debt, if any: [AMOUNT AND TYPE]
Skills I could monetise: [LIST]
Hours per week I can actually commit: [HOURS]
WHAT I NEED
A realistic staged path to $1,000,000 in net worth from exactly where I am — not a fantasy timeline, an honest one.
HOW TO DO IT
1. Work out the three phases I need to pass through, based on my actual starting point, not a generic "getting rich" template.
2. Identify the single highest-leverage move for my specific situation right now — the one thing that matters more than everything else on this list.
3. Build an income-building path and an investing path that run in parallel, not sequentially.
4. Name the mistakes that keep people in my exact position stuck for years, and confirm whether I'm already making any of them.
5. Show me two versions of the plan: one built around 5 hours a week, one around 30.
RETURN
- The 3 phases, each with a rough timeline and the condition that moves me to the next one
- The single highest-leverage move, explained in one paragraph
- The income path and the investing path, side by side
- The stuck-position mistakes, with an honest check against what I told you
- Both time-budget versions of the plan
RULES
- Use my actual numbers in every calculation. Do not round generously or assume income I did not state.
- Do not suggest anything that requires capital I do not have.
- If my timeline expectation is unrealistic given my numbers, say so directly and give the honest one instead.
- No generic "cut your coffee spending" filler.