📂 Stages 5–7: Stability – Habits Begin to Solidify
At this level, you already know that you can set money aside, and you have proven it to yourself in practice. You might have regular savings, for example, 10–20% of your income, or a specific goal — a trip, a bigger purchase, or emergencies. Saving is no longer just an idea but part of your routine.
At this stage, it is important to also focus on the efficiency of your savings: is your money “lying idle,” or is it working for you? Are suitable methods in place, such as long-term deposits or regular automatic transfers?
It is also valuable to start thinking about multiple savings goals at once — for example, a “buffer” for unexpected expenses and savings for personal growth.
In this phase, the desire to inspire family members often arises — to create a shared piggy bank or teach children about the value of money.
You feel the first signs of financial freedom, which becomes motivation to continue.