Building a Strong Financial Foundation
- Amber Breanna
- May 28
- 10 min read
Hey Powerful Creators,
While I was doing some personal money work, one question kept coming up over and over again:
What does a strong financial foundation really look like?
We talk about it on our calls, in our conversations, and I hear it all the time from my mentors.
It’s something I’ve adopted into my own vocabulary. But if I’m honest, I had to pause and ask myself.
Do I really know what that means?
Not just in a general or inspirational sense, but in a literal, day-to-day way.
What does it actually look like?
Sometimes we use language that sounds powerful without fully understanding it.
It actually plants seeds in the subconscious. But the real transformation happens when we take those phrases and make them real.
When we define them for ourselves. When we ground them into our own lives.
So I asked. 💫
I brought this question into the Powerful Creator community. I knew it was something we were all thinking about, feeling through, and working on.
What came through were deep, rich insights from two powerful women in our community: Kelsey and Michelle ❤️
Kelsey offered this powerful perspective:
"A strong financial foundation opens up opportunity of growth and eliminates the concept of fear towards money. In my eyes if you have a strong foundation, it's easier, like I talked about on the call, to have money be your partner and not your boss so to speak. In terms of what it looks like to me, organizing and documenting spending on a weekly and monthly basis. Setting budgets for different areas to eliminate spending of all 'available' money. Allocating a percentage per month towards investments/savings/etc.
And not being stressed about it haha"
Let’s break that down:
"A strong financial foundation opens up opportunity of growth and eliminates the concept of fear towards money."
This is deep. Kelsey’s saying that when your finances are structured, when your systems are in place, and your habits are solid—you stop operating from fear.
You shift from reacting to creating.
That space opens up room to think bigger, invest, expand, and evolve. You’re no longer trying to outrun lack—you’re leading from alignment.
"To have money be your partner and not your boss"
So many of us were taught that money controls us.
It decides what’s possible. But what Kelsey is reminding us of is that with a foundation, you flip that.
You become the one in control.
You set the terms.
When money is your partner, you’re in relationship with it.
You direct it.
You tell it where to go.
You move together.
"Organizing and documenting spending on a weekly and monthly basis"
This is practical wisdom. It’s not glamorous, but it’s powerful.
Knowing where your money goes is a radical act of self-responsibility.
Tracking helps you understand your flow. It reveals patterns, habits, and opportunities to realign.
Kelsey’s reminding us that this is how clarity and confidence are built.
"Setting budgets for different areas to eliminate spending of all 'available' money"
She’s talking about intentionality. Pre-planning how your money will be used before it even hits your account. That stops the default mode of just spending whatever’s there. It gives every dollar a purpose, a direction, and a job.
"Allocating a percentage per month towards investments/savings/etc"
This is how you build beyond the present.
Paying yourself first.
Creating the habit and system of wealth building, not just reacting to expenses, but proactively creating future abundance.
"And not bein stressed about it haha"
And this is the whole point.
Peace.
The goal isn’t just more money. It’s a different relationship with money. One that feels light, supportive, grounded.
✨ Kelsey’s Vision of a Strong Financial Foundation Includes:
Eliminating fear and creating room for growth → Fear restricts possibility. When you eliminate fear, you unlock the ability to grow, invest, and take empowered risks.
Making money your partner, not your boss → When money works with you instead of against you, you move from survival to strategy—and start creating life on your terms.
Tracking spending regularly → Awareness brings control. Knowing where your money goes helps prevent waste and supports smart, aligned choices.
Setting purposeful budgets for different areas → Giving every dollar a job ensures that your money is working for your goals, not being spent randomly or impulsively.
Automatically saving and investing a percentage of income → Consistent saving builds future freedom. This habit turns income into assets and creates long-term stability and wealth.
Creating a stress-free relationship with money → True wealth isn’t just about numbers—it’s about peace of mind. Systems and emotional clarity reduce anxiety and increase ease.
Michelle offered this powerful perspective:
"Yeah I’m with Kels 1000%. DTI is a good starting point. Cause then you can really see where you stand in relationship with your income. But once I watched Mike Maloney’s 'Hidden Secrets of Money' 11 episode series, I really understood what was going on. I also researched the Rockefeller family, JP Morgan, federal reserve, European Central Bank, Bank of England, and Bank of China. Then I realllllly learned how these people were running the financial institutions of the world. That was the game changer for me. I just had to try really hard not to let this info get to me. I asked the universe for answers on how these gangsters were keeping us in the rat race and actually be responsible with my finances to ensure I was never ever going to fall for it again! Right now I’m learning about how Goldman Sachs, BlackRock, Vanguard, and various other firms buy up private equity in all of these amazing projects through Codie Sanchez. Not because I have that kind of money right now to invest in, but so that once my crypto portfolio hits I can definitely ensure I start playing the game. So it’s literally just you positioning yourself so that you can understand how these people with influence and money are investing their money and strategizing those investments to compound. Life is a trip. All this information is just information. The groundwork we are doing keeps us humble so we never fold and continue to be good humans and serve our communities as best we could. All while having fun, being a good human, and leaving an imprint in this awesome world with your legacy!"
Let’s really get into this:
"DTI is a good starting point"
DTI—Debt-to-Income Ratio—tells you exactly how much of your income is going to debt.
It’s one of the clearest indicators of where you stand financially.
Michelle’s reminding us that knowing this number gives you perspective.
It’s a mirror.
It shows you the truth.
"Once I watched Hidden Secrets of Money... I really understood what was going on"
This was Michelle’s wake-up moment. Learning how the financial system works—from the creation of money to the way banks operate—changed how she approached everything.
It’s about lifting the veil and understanding the bigger picture.
"I researched the Rockefeller family..."
She went deeper. Studying the power players, the institutions, the mechanisms of control.
Not to feel powerless but to understand.
To become conscious.
To see the system for what it is so she could choose how to operate within or outside of it.
"I asked the universe for answers... and committed to being responsible"
This is where it got spiritual. She didn’t just learn and get angry, she chose responsibility.
She asked for guidance and committed to change.
That’s leadership.
"Studying Codie Sanchez... learning how they invest"
Even without the capital YET, Michelle is doing the work.
She’s learning the strategies.
She’s preparing.
She’s aligning.
That’s the powerful part—she’s positioning herself for when the opportunity comes.
"It’s literally about positioning yourself"
This is the game. Getting in place before the moment arrives. Understanding how money moves so when your time comes, you’re ready.
"The groundwork keeps us humble... leave an imprint with your legacy"
It’s not just about making money. It’s about building character, living with intention, and using wealth to make a meaningful difference.
Michelle brings it full circle: learn the game, build your foundation, stay grounded, and lead with love.
✨ Michelle’s Vision of a Strong Financial Foundation Includes:
Knowing your real financial standing (starting with DTI) → Clarity is the first step to change. When you know exactly how much of your income goes to debt, you can create a realistic plan and regain control.
Studying how the financial system really works → You can’t win a game you don’t understand. Learning how money is created and controlled helps you stop playing blind and start playing smart.
Researching who controls global wealth and financial institutions → Understanding power dynamics teaches you how the system was designed—and how to navigate it on your terms, not theirs.
Emotionally processing financial truth without spiraling → Wake-up calls can be heavy. Staying grounded allows you to use the truth as fuel instead of fear, and keep taking empowered action.
Taking full responsibility for your financial decisions → Blaming the system keeps you stuck. Choosing responsibility is choosing power—it’s how you break cycles and build legacy.
Learning how the wealthy invest through private equity and ownership → Wealth isn’t built on saving alone—it’s built on strategic investing. Knowing where wealth flows helps you position yourself to follow it.
Preparing for opportunity before you have the money → Success favors the prepared. Study the moves now so that when your income increases (like from crypto or business), you’re ready to act with intention.
Shifting into a long-term, compound-growth mindset → Wealth is a marathon, not a sprint. Thinking in decades instead of days helps you build something lasting and scalable.
Staying humble and grounded while building → Money is powerful, but character is everything. Groundwork keeps you anchored in integrity and alignment as your wealth grows.
Using your money to serve your community and contribute → Abundance has purpose when it flows through you, not just to you. Giving back turns money into meaningful impact.
Having fun, enjoying life, and creating your legacy → True wealth includes joy. When you align your financial goals with fun, freedom, and legacy, you build a life worth living—not just a number in the bank.
🔑 Based on these two powerful perspectives…
From Kelsey’s grounded, practical systems to Michelle’s wide-angle lens on wealth, one thing becomes clear:
👉 A strong financial foundation isn’t just about numbers—it’s about clarity, power, intention, and alignment.
These two perspectives show us that financial freedom isn’t found in perfection, but in ownership.
In learning how money moves.
In creating habits that reflect your values. In choosing to lead your money instead of being led by it.
So based on what Kelsey and Michelle so generously shared, here is a powerful place for us to start building our own strong financial foundation.
How to Build a Strong Financial Foundation as a Powerful Creator
1. Start a Dedicated Money Journal
What to do:
Get one notebook, journal, or digital doc just for your money journey. This is where you reflect, track, and dream.
Example: Write a journal entry like:
“Right now, I feel nervous about money but ready to take control. My first step is just noticing what I spend without judgment.”
Why? You can’t build wealth if you’re disconnected from your emotions around money. This builds self-trust and awareness.
2. Know Your Numbers
What to do:
Figure out:
How much you earn each month (after taxes)
How much you spend (track for 1-2 weeks)
How much you owe (list debts)
Calculate your DTI (Debt-to-Income Ratio): Monthly debt payments ÷ Monthly income = DTI
Example:
“I earn $3,500 a month. I spend about $2,800 and I pay $900 in debt payments. My DTI is 900 ÷ 3,500 = 25.7%.”
Why? Awareness is your anchor. When you know your numbers, you can stop guessing and start choosing.
3. Create a Simple, Purposeful Budget
What to do:
Break your money into categories and assign a dollar amount to each. This is called zero-based budgeting—where every dollar has a job.
Example Budget for $3,000/month income:
Rent: $1,000
Groceries: $300
Transportation: $200
Fun: $150
Savings: $300
Debt: $600
Misc: $450
Why? A budget gives you clarity, freedom, and structure. It keeps your money aligned with your goals—not just your habits.
4. Pay Yourself First
What to do:
Before you spend anything, set aside a percentage of your income for savings, investing, or emergency fund—no matter how small.
Example:
“I’ll start with 10%. That’s $200 from my $2,000 paycheck. I’ll put it into a high-yield savings account.”
Why? You’re teaching your brain that your future matters. This builds long-term freedom and confidence.
5. Learn as You Grow
What to do:
Start reading Rich Dad Poor Dad by Robert Kiyosaki and join our Thursday community calls—we’re reading and discussing this book together, chapter by chapter.
Also, watch the video below: The Hidden Secrets of Money (Episode 1).
📺
An example of a reflection to share on the call:
“Reading Rich Dad Poor Dad made me realize I’ve been taught to just work harder, not smarter. I’m starting to see how important it is to focus on building assets, not just earning a paycheck.” “After watching Hidden Secrets of Money, I understood how the system is set up to benefit those who know how to invest. It lit a fire under me to start taking control of my finances.”
Why? Knowledge builds confidence. When you learn how money really works and see new possibilities, you stop repeating old patterns and start making aligned, empowered choices.
6. Define Your Money Philosophy
What to do:
Write a simple, personal Money Mission Statement in your journal.
Example:
“I believe money is a tool that helps me create peace, freedom, and impact. I will earn it with integrity, spend it with intention, and use it to bless others.”
Why? This becomes your anchor. When you're unsure or overwhelmed, you come back to your “why.”
📚 Resources to Study + Explore Further
These were mentioned by Kelsey, Michelle, and in our community:
📖 Books
Rich Dad Poor Dad – Robert Kiyosaki
Think and Grow Rich – Napoleon Hill
Cashflow Quadrant – Robert Kiyosaki
🎥 Videos / Series
The Hidden Secrets of Money – Mike Maloney 📺
👥 Educators + Financial Thinkers
Codie Sanchez – private equity + freedom-based business models
Mike Maloney – macroeconomic education
Robert Kiyosaki – wealth-building fundamentals
🧰 Tools & Concepts
DTI (Debt-to-Income Ratio)
Zero-Based Budgeting
Automated Saving + Paying Yourself First
Money Mission Statement
Spending Trackers (app or notebook)
💬 Your Turn — Reflect + Share:
What does a strong financial foundation look like to YOU?
You’ve heard from Kelsey. You’ve heard from Michelle. Now we want to hear from you.
📝 Drop your answer in the chat or bring it to our next Powerful Creator conversation. You don’t need to have it perfect—just make it real.
This is your opportunity to define your relationship with money on your terms.
Start with your journal.
Share with the community.
Let’s keep growing together!! 🌱✨
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