When it comes to wealth, we have been taught that there are two destinations; the place we live and work now, and the place we plan to travel ‘someday.’

No matter your ideal ‘someday’ destination, this dual approach relies on savings and growth as a mode of transportation. It also assumes that you must save money from whatever is left of your current income AND achieve significant rates of return on your investments. Not only is this a risky route to wealth, it’s slow-going and inefficient.

In reality, your wealth isn’t a destination at all. Just as your car has a frame, an engine and a seating compartment; your financial life has three systems that work together to get you where you’d like to go.

These three systems are:

Some of the main barriers on the road to wealth are the financial potholes that crop up in the form of lifestyle spending, interest on debt, taxes, and timing of payments to your mortgage and retirement accounts. The Advisors at High Road Financial Planning survey the route and pinpoint problem areas so that you can avoid them altogether. After all, it’s easier to navigate around road hazards than to repair the damage of driving into them.