Financial Reset Framework

1: Live Within Your Means. 

Living within your means creates breathing room. It reduces stress, builds control, and gives you space to reset with intention. 

2: Keep Housing Costs ≤ 25% of Take-Home Pay.

Housing expenses are often the biggest financial stress point after divorce. Keeping costs manageable protects your cash flow and your peace of mind. 

3: No or Minimal Consumer Debt.

Consumer debt drains both money and energy. Reducing it frees up income and mental space for resetting and growth. 

4: Invest in Income-Producing Assets.

Once stability is in place, you can BREATHE. 

This step is about growth — at your own pace.