CONCLUSION:
WINNING THE LONG GAME

If this book has taught you anything, it is that you have the power to master your money. Whether you are currently buried in student loans, just starting to build a budget, or already accumulating your emergency fund and investments, everyone starts from the same place.

The decision to turn professional and learn about the intersection of life and money is a transformational one. When you began the money makeover, you might have thought that your transformation had an end point. The reality is that mastering money is a continuous journey, full of highs and lows, which will help you improve every day. Embracing this journey allows you to live your best life.

The rich life is sought by many but attained by few. You are different. You will be among the few that take the necessary steps to gain the financial freedom that you deserve. This will change your life forever and put you on a new path. This path ushers in a new kind of responsibility. It calls on you to help others along the way and enjoy the rewards of the rich life. The truly rich give more than they take, not worrying about what they receive in return. They know that money is not the end goal. They are driven by something more profound: devotion to their passions and calling.

Wherever you are in your money makeover, keep the Millennial Money Makeover principles close by and remember to follow the sequence necessary to achieve financial freedom. Decide to turn professional and make it permanent. Pay off all of your debts as quickly as possible, and resist the temptation to get tangled again. Create and refine your budget. Optimize the large-ticket purchases you will make early in life to set yourself up for long-term success. Build a financial cushion to distance yourself from the breakeven lifestyle and live a fully present and forward-thinking life. Invest when everyone else is spending and grow your wealth. The momentum of your money makeover will take over. The rich life is waiting.