You’ve nailed the basics: you budget like a pro, you’ve paid off high-interest debt, and you’re saving consistently. But if you’re still feeling stuck, it might be time to take your financial planning to the next level.

At Talk Money with Tish, we help clients move from surviving to thriving by aligning their money with their biggest dreams. Here are five signs you’re ready to level up—and actionable steps to get there.

1. You Have Money Left Over Every Month

If you’re ending each month with extra cash that’s just sitting in a checking account, you’re missing opportunities. Low-interest accounts won’t grow your wealth.

Next step: Redirect that surplus into wealth-building vehicles like a Roth IRA, brokerage account, or real estate crowdfunding. Even $100 a month invested in a diversified index fund can grow significantly over time. Need help choosing? Our team at Talk Money with Tish can guide you.

2. Your Goals Feel Bigger Than Your Budget

Dreaming of starting a business, buying a rental property, or retiring by 50? Basic budgeting tips like cutting lattes won’t cut it. You need a strategic plan to match your financial goals.

Next step: Create a vision board and break your goals into actionable milestones. For example, saving for a business might start with a high-yield savings account, followed by exploring small business loans or investors. A financial planner can help you map the path.

3. You’re Ready to Work With a Pro

Managing money on your own is great—until you hit a ceiling. If you’re unsure about taxes, investments, or estate planning, it’s time to bring in a licensed financial professional.

Next step: Schedule a consultation with Talk Money with Tish. We’ll assess your current plan, identify gaps, and create a roadmap for next-level finance tailored to your life.

4. Your Insurance and Estate Plans Are Outdated (or Nonexistent)

If your life insurance is limited to a basic term policy (or you don’t have one), or if you’ve never considered a will or trust, you’re not fully protected.

Next step: Review your insurance needs—consider policies like Indexed Universal Life (IUL), which combine protection with wealth-building potential. Then, work with an estate attorney to draft a will or trust that secures your financial legacy.

5. You Want to Align Money with Purpose

Wealth isn’t just about bigger bank accounts—it’s about impact. Whether it’s funding your child’s education, supporting a cause, or leaving a legacy, your money should reflect your values.

Next step: Define your “why” for wealth-building. Explore giving strategies like a donor-advised fund or a family scholarship. Our advisors can help you integrate purpose into your financial plan.

Final Thoughts

Financial planning is more than numbers—it’s a vision for the life you want to live. If these signs resonate, you’re ready to move beyond the basics and unlock wealth building that lasts.

👉 Visit https://calendly.com/talkmoneywithtish/financial-consultation to connect with our team and start building your next-level plan today.