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He painted a picture of what that might look like, starting with an emergency fund.

“Things don’t stress you out as much when you have, say, an unexpected car maintenance that costs you an extra $500 that month. Having the ability to buy food for yourself consistently, and pay rent/ bills without worrying if you’re going to make it that month is a huge privilege once you establish your financial foundation.” When it comes to a foundation for building generational wealth, he stressed the importance of defining what wealth is first. “Wealth is just the difference between your earnings and your spending,” he said. “Either decrease your spending or increase your earning, or ideally — both at the same time.”

The article My Path to Generational Wealth: Finding the Right Trade-Offs was written for NerdWallet on December 13, 2023.

JUNE SHAM is a writer at NerdWallet.

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