Walk Stage (Complacency)

"Almost everyone favors a happy lifestyle ... avoiding stress ...staying relaxed and complacent ...only doing what makes them and their immediate social support happy

A few ...though appearing as though they are doing the same things that most people are doing ... Also exert a little itsy bitsy time to consciously strive to develop Values that they also treasure a little more ..."

Walk Stage
 

Sometimes I imagine this as a phase when you ride a two-wheeled vehicle. Still looks dangerous but a little better. I love motorbikes and occasionally ride a big bike or scooter. That explains the wheeled vehicle analogies.

Emotions

These may be among your most dominant emotions.

You just have to achieve and maintain your independence and self-sufficiency, and you often avoid intimate or close relationships with another person (on an individual perspective) ...or if not applicable, you are avoiding stress from strangers, other unknown families or man made institutions or the rest of the global human family whom you think is not your family (from the perspective of an independent family unit you are hiding from the unsafe world)

You are sensitive to signs of control or influence on your world by a partner or friend or institution. Even though you want a sense of belongingness, you feel uncomfortable with too much closeness/intimacy (pls view from different perspectives like above).   You do not expect others to reciprocate your positive feelings. It does not concern you. You can manage rejection better than in the former stage. Poor communication skills.

You may have a tendency to avoid inconveniences.

You tend to be emotionally distant to people beyond your perceived obligation.

If the person/institution you consider as "others" begins to leave you alone, then you feel comfortable.

You may be the type that automatically tries to avoids commitments...although you want a stable one someday... or you are in a commitment but somehow fail to maintain the spark it once had.

You feel that you will be okay as long as you keep your current job.

There is a temporary feeling of stability since you have enough resources within your reach at your disposal.

 Your job makes you feel "secure". Time is still relatively abundant. You have time to find anything that will entertain you.

You may still be willing and open to work/think harder for longer hours in return for more salary, energy or power.

You feel lost without your job.

You are not comfortable with loans/debts.

You fear losing money if you invest.

Goals

These may be some of your goals.

Although salary is enough to meet your basic needs plus maybe occasional luxuries, you are open to a better compensation.

But since you are living a good life, this is not a priority concern so you do not act to improve your condition.

You are enjoying the benefit of a good scholastic/professional education or a nice stable passive income/supply of energy/resources.

You are less dependent on others and you want to keep it that way for as long as it takes.

All you may know to keep your money is to cut up on costs.

You want to make sure your parent/guardian/husband /wife doesn't die ahead of you, because he/she is the primary income generator.

Assets

Emergency fund can go as high as 500k.

You do not keep a separate account for future investments.

You may have a house or car which you believe are among  your greatest assets.

You may be living in your own house or leased apartment.

You may have insurance.

You may not be loaning money and other tangible assets.

Still building your intangible assets.

There is still lack of balance and harmony. Your current lifestyle will stop right after retirement. You do not track your assets.

Poor planning skills. No concrete contingencies.

Still poor input and output controls or focus and restraint sometimes to the point of neglecting distant needy others.

Lacking in courage/fortitude

Charity may be in the form of stagnant regular small donations from P10 to maybe P100 weekly or a stagnant regular cash donations/gifts totaling about P200 to P50,000 annually

Dreams are personal and simple.

( You think you are surviving but you may slip back to the former stage in case of any major life event)

Skills

You have good to excellent vocational/professional skills.

Your financial skills are still poor.

Financial planning skill is still poor.

You adopt a conservative or "saver" asset allocation strategy.

You still do not keep track of all your expenses. Poor resource/inventory tracking skills.

Adding, reading and analyzing numbers does not interest you.

You begin learning how to budget but not necessarily successful every time.

You do not have short-term and long-term plans that are specific, detailed, realistic, measurable, attainable and timed.

Cost-cutting may be your ONLY or a major strategy. You are not aggressive.

Your emergency fund is small

You do not know how to sell and you may even hate selling.

You think selling is a skill of sales representatives that go door to door.

You may believe that there is no such thing as "good debt".

Poor systems and organizational skills.

 Your survival skills are poor.

Few first aid skills can be recalled. Fading basic life support skills... if you had any.  Some may know "Hands only" CPR or CPR without breaths.

Asset flow pattern

Your cash flow pattern follows those of the poor or the middle class. Earned income may support an above average living lifestyle. So you can earn more from your job ...than you spend.... there is unused surplus.

If you are single, some shopping habits develop.

You may own a few expensive things you bought for yourself and that you consider as assets.

You may have a credit card.

You may have bank or personal loans.

If you marry, suddenly … you have a combined income.

But shopping is controlled with occasional sprees.

Private education for your child (if any) and health may be one of your top concerns.

You may have a house or a car which you believe are real assets.

Team

These are the advisers you have.

You may have a regular accountant or PA

You may have a standby lawyer. 

Aside from the above, your immediate and fewer older family and friends are still your advisers.