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The IAM Ascension Model · Phase 03

Wealth Builder

Compound the engine.

This is where money starts working harder than you do. Phase 3 fires the compounding engine: employer match captured, Roth IRA funded, brokerage automated, income expanded.

My money now works for me.
Outcomes
  • 10–15% of income invested every month
  • Employer match fully captured
  • One growing secondary income stream
Metrics that move you forward
  • • Save rate ≥ 20% of gross income
  • • $500+/mo from non-W2 income
  • • Net worth tracked monthly
Unlocks next: Financial Instruments
Action Plan
  1. 1.
    Capture every employer match

    Contribute at least what your employer matches — instant 100% ROI.

  2. 2.
    Open a Roth IRA and set auto-contribution

    Fidelity, Schwab, or Vanguard. Contribute monthly on payday.

  3. 3.
    Launch one side income

    Freelance, consulting, content, e-commerce — ship in 30 days.

Phase 02 · Financial StrengthPhase 04 · Financial Instruments