Naresh KC

The 7 Baby Steps
(Millionaire Roadmap)

1. Save $1,000 for emergencies → then 3–6 months of expenses

2. Pay off all debt using the debt snowball

3. Invest 15% of your income for tax free retirement

4. Save for your kids’ college

5. Always learn how money works

6. Protect your income and debt for 10+ years

7. Create multiple income streams

For nearly twenty years, you poured your heart into your career.
You studied late nights, earned degrees, passed exams, and built a name for yourself. Maybe you became an engineer, a doctor, a nurse, a CPA, or a real estate agent. Every step, every promotion, every certificate—was proof of your hard work and sacrifice.

But then one day, life happens. You retire… or your health changes. Suddenly, everything you built—the career, the reputation, the income—stops with you.
You can’t hand your degree to your child and say, “Here, keep it going.”
All those years of effort, all that knowledge—it ends when you do.

Now imagine something different.
Imagine building a business that doesn’t end when you stop working.
A business where your time, your effort, and your success can be passed on—where ownership can go to your son, your daughter, or your spouse.
Something that keeps rewarding your family long after we’re gone.

That’s not just a business.
That’s a legacy.
And that’s the kind of future worth building.

Exploring F&G Annuities in Des Moines, IA – Committed to Delivering Better Service

Integrity is non-negotiable. When someone hides their moves and shifts to another company in secret, they lose the trust that builds true success. Warren Buffett put it best: ‘In looking for people to hire, you look for three qualities: integrity, intelligence, and energy. But if they don’t have the first, the other two will kill you.’ Surround yourself with people of integrity—it’s the key to lasting growth

Life is a Boxing Match 🥊

We are always boxing—
through school, work, bills, debts, taxes, retirement, even life and death.

The punches never stop…
but winners are the ones who keep standing and keep moving forward.

Stay strong. Keep fighting. Never give up. 💪