Why You’re Not Quite Ready for The Stash Plan (Yet)
(And Exactly How to Get There)
We see you.
You’re smart, ambitious, and doing everything "right." You’re earning well, saving when you can, maybe even investing a bit. You’ve got drive - and you’re building momentum.
But you’re not at six figures yet - and you’ve probably wondered: “Could Stash Wealth still help me?”
Here’s the truth: not quite. And that’s not shade…
Because The Stash Plan® was built for people whose biggest question isn’t “How do I make more money?” - it’s “What should I be doing with the money I’m already making?”
Let’s talk about why income level matters, what you should focus on right now, and how to get yourself ready for the moment when The Stash Plan becomes the right next move.
1. The Stash Plan is for optimization, not stabilization.
The Stash Plan is designed for people who already have steady, high income - and are ready to put that money to work with purpose.
We help clients optimize, not just organize. That means figuring out:
How to make their money more efficient.
How to balance living well now with building for later.
How to stop winging it and start compounding results.
If you’re still in the "building up" phase - working toward stability or scaling your income - you’re not behind. You’re just in a different chapter.
Think of it like this: The Stash Plan is built for people already running the race. Your job right now is to build the stamina that gets you to the starting line - steady income, savings habits, and leverage.
Because you can’t optimize what you haven’t stabilized yet.
2. Your 30s are your income-growth decade - treat it like one.
If you’re not making six figures yet, this is your time to get aggressive about earning power. The biggest financial move you can make right now isn’t another savings hack - it’s a raise.
Your focus should be on pulling the big levers that actually move the needle:
Negotiate your salary. Most people leave 10–20% on the table simply by not asking.
Switch strategically. Don’t be afraid to level up with a new role or company that pays what you’re worth.
Build skills that pay. Certifications, side projects, and career pivots that increase your value are all ROI-positive investments.
Cutting back on coffee won’t change your trajectory. Increasing your income will.
Because here’s the truth no one likes to say out loud: financial freedom doesn’t come from pinching pennies - it comes from earning power and knowing how to use it.
And when you cross that six-figure mark, the stakes get higher. That’s when the complexity kicks in - taxes, equity, stock options, lifestyle creep - and that’s when The Stash Plan kicks in, too.
That’s where we do our best work: helping you turn strong income into real wealth, instead of letting it disappear into "how am I still broke?" territory.
3. You’re not behind - you’re in pre-Stash season.
This isn’t a no. It’s a not yet.
You’re exactly where you should be - building your career, increasing your income, and creating the foundation that will make your future plan ten times more powerful when the time comes.
Here’s what to focus on in the meantime:
Grow your income. Every raise, bonus, or new client matters.
Strengthen your habits. Track your spending, automate your savings, and stay consistent.
Educate yourself. Learn about investing, taxes, and goal-based planning. The more fluent you are, the smoother your transition will be later.
Because when your income hits six figures, we’ll be ready to help you take that progress and turn it into a plan that builds freedom - not just stability.
The Bottom Line
You don’t need The Stash Plan to make six figures. You need six figures to maximize what The Stash Plan can do for you.
The Stash Plan isn’t about catching up - it’s about leveling up. And you can’t level up what hasn’t been built yet.
So for now, keep going. Negotiate harder. Earn more. Build the life that puts you in a position to make your money work as hard as you do. Because when you’re ready - we’ll be here.
Not Ready for The Stash Plan (Yet)? Do This Instead:
Tune into The F. Word podcast. Free, unfiltered financial guidance that actually makes sense for real life.
Read our blog. Learn to think about money like a six-figure earner before you become one.
Focus on your next income leap. That’s your biggest wealth-building move right now.
Because when you hit that threshold, your money deserves a plan that’s as ambitious as you are.
If after reading this, and you still want to schedule a call to see if you are the right fit, please click below to find some time for us to chat.
