At Talk Money with Tish, we believe legacy isn’t inherited—it’s created.
Generational wealth isn’t just for the elite; it’s for anyone willing to take intentional steps to rewrite their family’s financial story.

For many, financial education wasn’t part of the upbringing. Perhaps your parents stretched every dollar to make ends meet, or maybe money was a taboo topic. Whatever your starting point, you have the power to break cycles of financial struggle and build a legacy of abundance.

Here’s how to start building generational wealth today:

1. Get Honest About Your Starting Point
You don’t need a trust fund to create wealth, but you do need clarity. Take stock of your financial reality:

• List your debts: Credit cards, student loans, car notes—know exactly what you owe.

• Track your income and expenses: Use budgeting apps or a simple spreadsheet to understand your cash flow.

• Identify limiting beliefs: Do you think wealth is out of reach? Acknowledge those thoughts so you can challenge them.

Facing your financial truth is the first step to rewriting your story.

2. Create an Emergency Fund
A strong financial foundation starts with protection. Aim to save 3–6 months of living expenses in a high-yield savings account. This fund acts as a buffer against unexpected expenses—like medical bills or job loss—so you don’t derail your wealth-building journey.

Start small—$500 is a great first goal—and automate monthly contributions to make it effortless.

3. Protect with Life Insurance
Life insurance isn’t just about covering funeral costs; it’s a wealth-building tool.

At Talk Money with Tish, we specialize in Indexed Universal Life (IUL) policies, which offer:

• Living benefits

• Tax-advantaged growth

• Access to funds during your lifetime

These policies can protect your family while helping you build wealth for future generations. Work with a licensed financial professional to choose a policy that aligns with your goals.

4. Invest with Intention
Wealth grows through consistent, long-term investing.

Start with a retirement plan like a 401(k) or IRA, especially if your employer offers a match—it’s free money! Then explore options like:

• Index funds

• REITs (Real Estate Investment Trusts)

• Dividend-paying stocks

The key? Start early and stay consistent. Even $50 a month can grow significantly over time through compound interest.

5. Teach What You Learn
True generational wealth is more than just money—it’s mindset and habits.

• Teach kids about budgeting with their allowance

• Discuss investments with friends

• Host a family meeting to share your legacy plan

By fostering financial literacy, you ensure your wealth multiplies across generations.

You don’t need to be perfect to start building a legacy—you just need to start.

Every step you take today, from saving $100 to setting up a life insurance policy, plants a seed for your family’s future.

At Talk Money with Tish, we’re here to guide you with personalized strategies to break cycles and create lasting family finances.

👉 Ready to start? Book a consultation with our team at https://calendly.com/talkmoneywithtish/financial-consultation to craft your legacy plan today.

Because legacy isn’t about what you leave behind—it’s about how you live today.