After building your financial foundation, it's time to go on offense. In Part 3 of this series, we move from safety to strength by defining your personal "Feel Safe" number and exploring the psychology behind the powerful $100k net worth milestone - the point where your money truly starts working for you.

My financial journey has taught me that a strong defense is the key to peace of mind. This post is about building that foundation. I'll walk you through the practical steps to calculate your Emergency Fund and your Debt-Free numbers—the two most powerful milestones for reducing financial anxiety and reclaiming your future.