The 10 Steps of Financial Wholeness—And Why You Need All of Them

A deep dive into the core framework that makes Tiffany Aliche’s book a must-read for every financial journey

What makes 'Get Good with Money' truly stand out in a crowded field of personal finance books? It’s the idea that financial success isn’t about one magic bullet, but about achieving wholeness across ten interconnected areas. Tiffany Aliche’s ten-step plan is a roadmap to lasting peace and prosperity, whether you’re just starting out or looking to fill in the gaps in your financial life.

Step one is about mindset—identifying and rewriting the money stories you’ve inherited. Next comes budgeting, the foundation of your plan. Aliche recommends a practical, flexible approach that allows you to enjoy life while still meeting your goals. Saving comes third, with a focus on both emergencies and dreams. The 'Noodle Budget' exercise helps you prepare for tough times, while savings buckets keep you motivated for the good times.

Debt management is step four, and here Aliche’s compassion shines. She encourages readers to list every debt, choose a repayment strategy, and automate payments. Step five is mastering credit, from understanding your score to disputing errors and building a positive history. Increasing your income—through raises, side hustles, or entrepreneurship—is step six, and the 'Brag Book' is a key tool.

The next steps focus on protection and growth: insurance (health, life, disability, property), investing (retirement accounts, stocks, bonds), and net worth tracking. Aliche explains the Rule of 110 for asset allocation and urges regular reviews. The final steps are about community and legacy: building your money team and creating a will to protect your family.

Skipping a step, Aliche warns, leaves you vulnerable. Each part of the plan supports the others, creating a safety net that can catch you when life throws a curveball. The ten steps aren’t just a checklist—they’re a way to build a life of abundance, security, and joy. Whether you’re struggling with debt, saving for your first home, or planning your legacy, this framework will guide you every step of the way.