{"id":14250,"date":"2022-07-30T00:08:27","date_gmt":"2022-07-30T05:08:27","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?page_id=14250"},"modified":"2024-11-14T16:42:42","modified_gmt":"2024-11-14T22:42:42","slug":"avoiding-destructive-path","status":"publish","type":"page","link":"https:\/\/www.fitbux.com\/articles\/avoiding-destructive-path\/","title":{"rendered":"Financial Story: Generating An Additional $2 Million"},"content":{"rendered":"

\"\"<\/a><\/span><\/p>\n

Being Financially Independent & Avoiding Catastrophe! <\/h1>\n

Congrats! You are on a path towards financial independence.  So was Cindy, a FitBUX Member. However, FitBUX showed her how building and implementing her FitBUX Financial plan<\/a> could generate an incremental $3 million and improve her overall financial flexibility!<\/b><\/p>\n

Read her story below so you can do the same.<\/p>\n

+ $900k At Retirement With Automated Adjustments<\/h2>\n

Cindy was doing a great job following her own plan.<\/p>\n

However, she was making a common mistake. While she was diligently allocating part of her income to debt payments and asset contributions, she did not have a way to adjust her contributions as her income grew. <\/p>\n

Like most people she forgot to do so as her income increased.  <\/p>\n

Because FitBUX’s financial planning technology tracks Cindy’s plan and progress continuously, we automatically alert her when she needs to adjust her contributions, and by how much.<\/p>\n

By increasing the amounts correctly, we estimate that she will have an incremental $900k when she retires!<\/strong><\/p>\n

+ $1.9 Million From Her Investments<\/h2>\n

Cindy has been getting her employer match and investing in a Roth IRA for almost 10 years.  <\/p>\n

Unfortunately, she had no way of knowing whether her investment allocation was aligned with the level of risk her overall situation allowed her to bare.<\/p>\n

Maybe she was taking too much risk…or maybe she could afford more risk.<\/p>\n

Thanks to FitBUX’s investment recommendation technology available to Premium members, Cindy is now able to correctly allocate her investments.<\/p>\n

By reallocating her investments, Cindy can expect to make an extra $1.9 million by the time she hits 62 years old!<\/strong> <\/p>\n

Avoiding Catastrophe<\/h2>\n

Like many young professionals, Cindy wanted to buy a house. So she Googled “Home affordability calculator.”<\/p>\n

She ran the numbers using a random online calculator and was told that could “afford” an $850k house.<\/p>\n

However, most online tools calculate what you can qualify for, not what you can afford!<\/strong><\/p>\n

Cindy logged into her FitBUX profile and used our home affordability technology.  She realized that she could afford a $650k house.  Purchasing a $850k home would have had her stuck in the race and on a “paycheck to paycheck” nightmare.<\/p>\n

Also, purchasing a home she can afford allows her to stay on the path to financial independence and increased financial flexibility<\/strong>. Cindy will not end up the proverbial home owner who is house rich and cash poor.<\/p>\n

Mortgage Points Net Her $290k<\/h2>\n

As a  FitBUX premium member, Cindy also has a designated FitBUX Coach.<\/p>\n

She decided to schedule a call with him prior to getting her mortgage.  She wanted to know whether buying points made sense for her.<\/p>\n

Her Coach was able to show her how paying 1.75 points on the mortgage would reduce her required monthly payment by $400.  <\/p>\n

By investing those $400 monthly, she would pay off her house in 30 years (no change there) but would have an additional $290k invested!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Being Financially Independent & Avoiding Catastrophe!  Congrats! You are on a path towards financial independence.  So was Cindy, a FitBUX Member. However, FitBUX showed her how building and implementing her FitBUX Financial plan could generate an incremental $3 million and improve her overall financial flexibility! Read her story below so you can do the same. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-14250","page","type-page","status-publish","hentry","post-wrapper","thrv_wrapper"],"yoast_head":"\nFinancial Story: Generating An Additional $2 Million - FitBUX Articles<\/title>\n<meta name=\"description\" content=\"Cindy was on a path towards financial independence. 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