This is the last step and, by far, the most fun. It’s time to live and give like no one else! Build wealth, become insanely generous, and leave an inheritance for future generations. You know what people with no debt and no payments can do? Anything they want! And it’s all because you had discipline for a few years. Now that’s leaving a legacy.

It took perseverance and good habits to get you here. Keep setting goals and budgeting every month. Stay intense and have fun along the way! You started investing 15% on Baby Step 4. Now you can max out your 401k and IRA so you can continue to live and give like no one else in retirement.