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The 7 levels of financial freedom, according to millionaire Sabatier— 50% of U.S. workers are at Level 2

Level 1: Clarity

The first step is taking stock of your financial situation — how much money you have, how much you owe, and what your goals are.

Level 2: Self-Sufficiency

At this level, Sabatier notes, you may be living paycheck-to-paycheck or taking on loans to make ends meet.

Level 3: Breathing room

People at Level 3 have money left over after living expenses so they can put toward goals such as building an emergency fund and investing for retirement.

Level 4: Stability

Those who reach Level 4 have paid down high interest rate debt, such as credit card debt, and have stashed away six months’ worth of living expenses in an emergency fund.

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