Iterating on Each Flow

Each flow can benefit from small, focused upgrades:

• Living Flow: Simplify your spending categories and use awareness tools (like Mint, Copilot, or your bank’s analytics) to spot easy wins.
• Security Flow: Strengthen your safety net — ensure your emergency fund, insurance, and protections are up to date.
• Growth Flow: Rebalance investments, check contribution schedules, and confirm you’re using tax-advantaged accounts efficiently.
• Freedom Flow: Adjust your contributions toward what gives you purpose — travel, creativity, or time freedom — so your money supports your best life.

You don't need to reinvent the system, just refine it — by going through each flow one by one.