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I have been thinking about this post for a while but didn’t know where to take it until Crystal became my unlikely muse. In her post announcing the newest member of team Crystal-For-Hire she mentions,

So yes, all of our eggs are in one very new basket, but we wove that basket well. I have created a growing business that I love and that hopefully shows. My husband is fantastically detail-oriented and very intelligent, so with his help, this business will continue to grow, be able to expand even more, and we have always been able to handle more together anyway.

Between reading that post and knowing about her mortgage destruction plan something started to click for me and it was the Circle of Financial Growth.

What is the Circle of Financial Growth?

Often those not obsessed with personal finance will take one step forward and one step back. This means that they will “insert money saving technique here” but never actually capture the gain. We all have that friend who will be pumped up about savings $50 on his cable bill monthly, only to increase his monthly trips to the bar completely negating the gain. Interestingly, people tend to do this with weight loss as well. I have a friend now who has given up all alcohol until June but continues to eat loafs of bread when he goes out to dinner. Notwithstanding my portly friend, the idea is to capture your “money-win.”


For Example, this past year I destroyed my last non-mortgage/student loan debt. Instead of just letting that $300 accumulate in my checking account (which is a financial disaster for me since I have to keep myself cash poor) I set up an automatic ING deposit in the same amount. Now my family’s cash flow never changed but I am saving more money. Crystal on the other hand is using her circle to pay off her mortgage early. What will that do by its very definition? Free up more cash flow. Which in then can be used to build yet another circle that will fund her next project.

Applying the Circle of Financial Growth to Multiple Streams of Income

I am obsessed with getting to a place in my life where I have multiple streams of income. The theory in it of itself, never less the actual accomplishment, provides me with a feeling financial freedom. Currently an abridged version of my secondary income looks something like this:



All most all of my blogging income is used to keep that machine running and some is used to build more circles.

What are some of your Circles of Financial Growth? Are they debt related only right now (Debt snowball)? Or are you trying to build multiple streams of income as well?

Crystal’s Comments:  Yep, saving money doesn’t mean anything until you figure out where to invest it, put it, or what to pay off with it.  As Evan already noticed, we are paying off our house with some extra income and building up our portfolio using some of the best investment apps as well.