Watch time: 0:27 | Your essence is magnified through this
The single most important investment decision of your lifetime
Last issue, Tony reminded us that money is just a magnifier—it reveals more of who you already are. It magnifies your ability to do more, be more, give more. And if you want to magnify the best in yourself, you need the right asset allocation—what Tony calls “the single most important investment decision of your lifetime.”
Think of it as taking chunks of your money and putting them into separate investment buckets with different levels of risk.
Here’s how the 3-Bucket System works:
The Security Bucket
This is your peace-of-mind fund with money you can’t afford to lose. This is your foundation and covers your essentials, allowing you to weather any economic winter. It includes investments like cash, certain types of bonds, or other lower-risk investments.
Risk/Growth Bucket
Here’s where you risk a little to make a lot—investing for bigger returns while still protecting your downside. You can lose everything invested, so you have to be prepared to lose a portion (or even all of it). Done smartly, it can provide significant opportunities for growth.
The Dream Bucket
The Dream Bucket is where you set aside something for yourself and those you love so you can enjoy life while building your wealth. This is the fun stuff: a dream home, bucket-list adventures, or meaningful causes you’re passionate about.
Your challenge this week: Set aside 10 minutes to decide exactly what percentage of your monthly savings goes into each bucket. If you’re unsure, start small.
The key is to commit and model others who’ve mastered their finances—because when your allocation is clear, you’re far more likely to take the first step. By choosing your allocation now, you're not just building financial security—you're opening the door to serving at a higher level and creating an extraordinary life, no matter the economic season.
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