📂 Stages 8–10: Saving as a Lifestyle
Saving is no longer just a task for you — it has become part of your identity. You manage multiple savings goals and know exactly where every euro goes. Your savings provide a sense of security, allowing you to make bolder decisions — starting something new, changing jobs, investing in growth.
At this level, it is worth considering passive income opportunities — for example, long-term investments that supplement your savings with returns.
You can save both for short-term needs and future dreams, while maintaining balance.
It is also important to regularly review your goals: what mattered a year ago may have changed today.
Moreover, you understand that saving is not just about accumulating money — it’s also about managing your time, energy, and choices.
You do it with ease, confidence, and a purpose that goes beyond the material — creating a life on your own terms.